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i went tapa nd pay with CC recently, because i was still using the sliding feature for the longest time, because cc stealers can easily put on thier readers in a matter of seconds you wouldnt know.
So when you walk up to a terminal with your Visa and you tap your card it inputs a one time code. That code only matches up on the point of sale/banks end. If they take the same code and try to transmit it at say Wendy's, it won't work, as it has already been used. If someone swipes your card with a magnetic strip, or reads the numbers off manually and enters them online/in person/or over the phone the information will stay the same and can be used at elsewhere.
Most of the anti tap worries are unfounded fear. Also the terminals that allow payments for two to pay also get registered so if someone steals a terminal to modify it, the terminal would be reported stolen by the owner, or if the terminal was purchased by the theif, it would have to be registered by them, and once again can get an investigation pointed in their direction fairly quickly. Is it possible to beat, I'm sure, but it's MUCH easier to just jot down the numbers or skim thee strip
Tell me you're American without telling me you're American. That hasn't been an option where I am for nearly 2 decades.