Digital Web Skimming Payment Security

Risk Cognizance engages with multiple organizations that provide assistance with the emerging threat of Digital Web Skimming of payment checkout pages. Web-based digital skimming attacks infect e-commerce websites with malicious code, known as sniffers or JavaScript (JS) sniffers, which are very difficult to detect. Once a website is infected, the payment card information is “skimmed” during a transaction without the merchant or consumer being aware that the information has been compromised.

Who Does Digital Skimmer Affect

E-commerce implementation systems that do not have effective security controls in place are potentially vulnerable. Attackers target e-commerce websites, third-party service providers, and companies that provide website applications. Threat actors continue to evolve and modify their attacks, including customizing malicious code for different targets and exploiting unpatched website software vulnerabilities.


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WHAT IS WEB SKIMMING?

Web skimming or digital skimming is the action of stealing credentials and sensitive payment information from website visitors. Digital skimmers use pre-placed malicious javascript code that sniffs user inputs from sensitive forms or creates a malicious iframe with fake payment forms to sniff credit card information. Web skimming causes card fraud on a compromised website with malware or code that is injected into the payment page to steal payment information.

RISK COGNIZANCE PROTECTS AGAINST DIGITAL WEB SKIMMERS WITH:

  • Internal and external network vulnerability scans

  • Managed Detection and Response services

  • Monitoring change and detection to prevent injection of code

  • Periodic penetration testing to identify security weaknesses

  • Vulnerability security assessment tools to test web applications for vulnerabilities

  • Web application firewall(s) with 24/7 monitoring

DEFENDING AGAINST DIGITAL WEB SKIMMING ATTACKS 

As e-commerce expands, so do the threats from credit card skimming. In recent months, a malicious code known as Magecart has been responsible for exposing hundreds of thousands of credit card accounts to hackers. The threat extends to all websites that accept credit card payments. 

  • Data Encryption: Encrypted data is unreadable without the key, making it useless to hackers.

  • Risk Assessment: Regular scans for vulnerabilities can identify risk sources.

  • Fraud Indicators: Regular scans of all systems to identify signs of potential breaches.

  • Code Review: Ensures the discovery and removal of malicious codes before every release.

COULD YOUR SITE’S PAYMENTS FUNCTION ALREADY BE COMPROMISED?

If you believe an infection has already occurred, or your site has been running without the necessary controls in place to prevent digital web skimming and other attacks, immediate action is crucial. As with any data breach, removal of the affected vendor code may not fully resolve the issue. Our Security Consulting Services can help with PCI/DSS compliance, risk management program, and vendor risk.

Risk Cognizance can help your organization with PCI-DSS through our PCI Compliance Security Program. It ensures that your retail customer card data is protected. While PCI-DSS provides a framework for improved payment processing – it has not been sufficient to ensure the security of the modern retail POS system – while protecting your reputation and business assets. 

Our security consulting team will help you build a security program to protect and monitor all of your assets from internal and external breaches.