![]() There is always a card-reading component that consists of a small integrated circuit powered by batteries. Because of this, they come in different shapes and sizes and have several components. Physical skimmers are designed to fit specific models of ATMs, self-checkout machines or other payment terminals in a way that is hard to detect by users. The data they capture is used to either clone physical payment cards or to perform fraudulent card-not-present transactions online. Whether hardware- or software-based, skimmers are tools that enable fraud. More recently, the use of the term has been extended to include malicious software or code that achieves the same goal on e-commerce websites by targeting payment card data inputted during online purchases. In the security industry, a skimmer has traditionally referred to any hardware device designed to steal information stored on payment cards when consumers perform transactions at ATMs, gas pumps and other payment terminals.
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March 2023
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