The smartcard itself is just a frontend, the magic of using a piece of plastic card in on its electronic backend, the servers that supports the electronic transactions. Both the merchant and the bank are connected by this network that is expected to run 24/7, as ecommerce never stops as office hours stop. It is the full responsibility of banks and merchants that their terminals fully comply with the current security standards. The PCI DSS Goals and Requirements are established in order to guide the financial sector with their corresponding requirements.”]
Source: https://hackercombat.com/why-pci-dss-compliance-is-important-for-smartcards/