Earlier quoted context omitted.
You have to be a merchant to receive any transactions.
Sure, as if fake merchant accounts are not possible: https://www.finextra.com/blogposting/14769/three-types-of-me...
If you manage to get a merchant account (mule, homeless credentials) you dont need additional technologically advanced/complicated exploits involving getting physically close to people. You just open internet shop, list highend multimedia equipment(TV, consoles, laptops, phones) at 30% off prices and spam FB/coupon/deal sites.