Not at all. When your customers call a toll-free number, enter their account information, and make a payment. Some over-the-phone payment systems can even store the customer’s information based on the phone number they are calling from. This means future transactions...
Essentially any business that has a Merchant ID (MID) is at risk.
Yes, home users are the most vulnerable.
Every 90 days.
Payment Gateways connect a merchant to the bank or processor that is acting as the front-end connection to the Card Brands.