Unfortunately, online shoppers aren't immune from this scheme. Web skimming is a type of cyberattack that uses malicious code to steal card data during checkout, and researchers have identified an ongoing campaign targeting major payment providers and, by extension, consumers.
The fake payment forms use legitimate-looking branding and styling to minimize suspicion. Once payment details are transmitted to the attacker, the user gets an error message and is redirected to the real checkout page, a flow designed to make you believe that you've simply entered your information incorrectly.
How to protect your payment card
Unfortunately, consumers can't do much about the presence of web skimmers, but they can play defense against them. Red flags of an online shopping scam are also red flags for skimming—for example, deals and discounts that are too good to be true are indicators of a possible fraudulent vendor or malicious site, where you may be more likely to have your card details stolen. Shopping with reputable vendors will reduce (though not entirely eliminate) the risk. You should also be vigilant about any unusual steps during checkout, such as redirects or error messages, and abandon any suspicious transactions.
If you suspect that your payment details may have been stolen, keep an eye on your bank and credit card statements for unauthorized activity, and enable transaction alerts for real-time updates. Remember that credit cards offer more security protections than debit cards. You could also use virtual cards for online purchases, which allows you to keep your actual card details private and protect you from further fraud. (Note, however, that virtual cards have some drawbacks. For example, you may lose some protections offered by your primary card provider and have a tougher time obtaining refunds.)
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