ATR problem ? The financial institution is unavailable to approve the transaction at this time

[Shef:>]

If I install a proxmark3 on an ATM and access the pin via camera, I can have a one time use with that captured RFID clone correct? Assuming I use the cloned tap-to-pay before they make another transaction? Atleast this is what I recently read, I can't find the source but I'm looking for it. Sorry I am in over my head just seems like you are knowledgeable