nstein? are you new? i must ask because your come in here talking bullshit but you register in 2009? online pos skimmers are very widely available but not to public. also offline pos software is available as well as online and this is not a trojan. so please dont speak nonsense if you dont know what you are saying. very limited things are offered to public on forums. does not mean many dont have these things.
but yes he is probably ripper.