{"id":753,"date":"2026-06-10T01:05:01","date_gmt":"2026-06-10T01:05:01","guid":{"rendered":"https:\/\/platforms.worldpay-bsh.securedataplatform.com\/en\/?p=753"},"modified":"2026-06-10T01:05:04","modified_gmt":"2026-06-10T01:05:04","slug":"how-software-companies-can-protect-merchants-from-cyber-attacks","status":"publish","type":"post","link":"https:\/\/platforms.worldpay-bsh.securedataplatform.com\/en\/blog\/how-software-companies-can-protect-merchants-from-cyber-attacks\/","title":{"rendered":"How software companies can protect merchants from cyber-attacks"},"content":{"rendered":"<section class=\"blog-contents-block py-12 lg:py-24\" x-data=\"blogContents('attackers-go-where-the-money-is-the-rise-of-web-skimming', [&quot;attackers-go-where-the-money-is-the-rise-of-web-skimming&quot;,&quot;the-role-of-pci-compliance-for-merchants&quot;,&quot;safeguarding-your-ecommerce-merchants-with-security-tools&quot;,&quot;pci-compliance-and-preparedness-begins-with-you&quot;])\">\n    <div class=\"container relative\">\n        <div class=\"flex flex-wrap -mt-8 lg:-mx-4\">\n            <div class=\"order-1 w-full mt-8 lg:px-4 lg:flex-1 lg:order-0\">\n                <div class=\"acf-innerblocks-container\">\n\n<p class=\"wp-block-paragraph\">Small and medium businesses (SMBs) are prime targets for payments fraud, with cyber-attacks increasing in recent years.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While an unsettling thought, cyber criminals consider SMBs low-hanging fruit due to a lack of general awareness and preparedness, making them the primary target for attacks, as compared to large enterprises with robust security programs and protocols in place. In fact,&nbsp;almost half of all cyber breaches (46%)&nbsp;impact businesses with fewer than 1,000 employees.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There is no denying that a successful data breach is costly for any business, but more so for SMBs, with&nbsp;95% of cyber incidents&nbsp;costing them up to (and sometimes north of) $650,000. This loss of time, money, and resources can be hard for a SMB to recover from, and in some cases, may even force a small merchant to close their doors for good, which greatly impacts your business as well.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">eCommerce businesses have become a fast-growing target for cyber criminals because it\u2019s easy for these bad actors to automate their hunt for vulnerable businesses.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Throughout this blog, we explore how software companies can help prepare their eCommerce merchants to combat cyber-attacks and the critical role of PCI DSS compliance.&nbsp;&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading mb-0\">Short on time? Here are key takeaways:<\/h4>\n\n\n\n<ul class=\"wp-block-list is-style-dash\">\n<li>PCI 4.0 added more stringent controls to combat the surge of\u00a0<a href=\"https:\/\/platforms.worldpay-bsh.securedataplatform.com\/blog\/web-skimming-pci-4-0-and-ecommerce-merchants-everything-saas-companies-need-to-know\" target=\"_blank\" rel=\"noreferrer noopener\">web <\/a><a href=\"https:\/\/platforms.worldpay-bsh.securedataplatform.com\/en\/blog\/web-skimming-pci-4-0-and-ecommerce-merchants-everything-saas-companies-need-to-know\" target=\"_blank\" rel=\"noreferrer noopener\">skimming<\/a><a href=\"https:\/\/platforms.worldpay-bsh.securedataplatform.com\/blog\/web-skimming-pci-4-0-and-ecommerce-merchants-everything-saas-companies-need-to-know\" target=\"_blank\" rel=\"noreferrer noopener\"> <\/a><a href=\"https:\/\/platforms.worldpay-bsh.securedataplatform.com\/en\/blog\/web-skimming-pci-4-0-and-ecommerce-merchants-everything-saas-companies-need-to-know\" target=\"_blank\" rel=\"noreferrer noopener\">attacks<\/a>.\u00a0<\/li>\n\n\n\n<li>PCI is applicable to all entities involved in payment card processing, including merchants, processors, acquirers, issuers, and software companies.&nbsp;&nbsp;<\/li>\n\n\n\n<li>There are 4 PCI DSS validation levels for merchants and each level is based on transaction volume and warrant different compliance requirements.&nbsp;&nbsp;<\/li>\n\n\n\n<li>Software companies can help their merchants validate PCI compliance with security programs, like\u00a0<a href=\"https:\/\/platforms.worldpay-bsh.securedataplatform.com\/en\/embedded-payments\/safer-payments\/\" target=\"_blank\" rel=\"noreferrer noopener\">SaferPayments<\/a><a href=\"https:\/\/platforms.worldpay-bsh.securedataplatform.com\/embedded-payments\/safer-payments\/\" target=\"_blank\" rel=\"noreferrer noopener\">,<\/a>\u00a0a Worldpay product.\u00a0\u00a0<\/li>\n\n\n\n<li><strong>Bonus:<\/strong>&nbsp;Offering value-added services, like SaferPayments, can&nbsp;enhance your customer experience, increasing the lifetime value of your software, customer retention rates, and enhancing revenue potential.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading mb-0\" id=\"attackers-go-where-the-money-is-the-rise-of-web-skimming\">Attackers go where the money is: The rise of web skimming<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cyber criminals have found a low-lift way to get their hands on payment card data, also known as cardholder data. Payment card data includes the primary account number (or PAN) and sensitive authentication data which includes the details on the chip and magnetic stripe, the 3\u20134-digit security code on the card, and PIN details.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">How? With malicious JavaScript.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This bad code reads card information from an SMB\u2019s eCommerce page and sends it back to the attackers who can then use that data fraudulently. These types of web skimming attacks often go unnoticed because the code intentionally doesn\u2019t stop the authorised payment from going through. Instead, it copies the card data as the payment is being transmitted. Leaving everyone, but the bad actor, none the wiser to the breach.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Creating awareness around this type of breach among your merchant is an extremely important responsibility.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading mb-0\" id=\"the-role-of-pci-compliance-for-merchants\">The role of PCI compliance for merchants<\/h2>\n\n\n\n<h4 class=\"wp-block-heading mb-0\">What is PCI DSS? A high-level overview<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">PCI DSS is short for Payment Card Industry Data Security Standards and is the global data security standard adopted by the payment card brands. This governing guideline is applicable to all entities involved in payment card processing. This includes any entity that stores, processes, transmits, or could impact the security of payment card data, such as merchants, processors, acquirers, issuers, and software companies, like yourself.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The goal of PCI DSS is to reduce payment card fraud by increasing awareness around data security and what good data security practices are to minimise breach risk and reduce card fraud. As a result, it is a merchants\u2019 responsibility to adhere to good data security practices, such as those outlined in&nbsp;<a href=\"https:\/\/blog.pcisecuritystandards.org\/pci-dss-v4-0-resource-hub\" target=\"_blank\" rel=\"noreferrer noopener\">PCI DSS<\/a>, to help prevent attacks and compromises from happening. And as their trusted software provider and an integral piece of the payments ecosystem, you can ensure that they do just that.&nbsp;&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading mb-0\">PCI DSS validation levels: Merchant validation requirements<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">There are four PCI DSS validation levels for merchants and each level is based on transaction volume with a single card brand.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-coral-tickbox\">\n<li><strong>Level 1:<\/strong>&nbsp;More than 6 million transactions&nbsp;<\/li>\n\n\n\n<li><strong>Level 2:<\/strong>&nbsp;1-6 million transactions&nbsp;<\/li>\n\n\n\n<li><strong>Level 3 &amp; 4:<\/strong>&nbsp;Less than 1 million transactions&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Each level requires an assessment of some variety.&nbsp;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-coral-tickbox\">\n<li>Level 1 is subject to an on-site assessment by a qualified security assessor (QSA).&nbsp;<\/li>\n\n\n\n<li>Level 2 must have a self-assessment performed by an internal security assessor (ISA).&nbsp;<\/li>\n\n\n\n<li>Level 3 and 4 merchants are generally your small and medium sized businesses and must complete a self-assessment questionnaire (or SAQ), which addresses common payment processing methods, contains a reduced set of PCI DSS requirements, and has eligibility criteria to be mindful of.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In addition to the SAQ, some Level 3 and 4 merchants must produce an ASV or an approved scanning vendor scan report. An&nbsp;<a href=\"https:\/\/resource.payrix.com\/resources\/pci-compliance-information-security\" target=\"_blank\" rel=\"noreferrer noopener\">ASV scan<\/a>&nbsp;is a non-intrusive external scan against the public address of a merchant\u2019s card processing network. The scan checks for open TCP (Transmission Control Protocol) and UDP (User Datagram Protocol) ports at the network gateway and test for vulnerabilities and common misconfigurations which could put card data at risk.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As you can see all merchant levels have validation requirements, and Payrix has resources available to help small merchants get through the process easier.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading mb-0\" id=\"safeguarding-your-ecommerce-merchants-with-security-tools\">Safeguarding your eCommerce merchants with security tools<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Navigating the complexities of PCI compliance, web skimming, and fraud is no small task. Particularly for SMB merchants with limited time, resources, and money.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As their trusted software provider, you can help your merchants validate PCI compliance with security solutions, such as&nbsp;<a href=\"https:\/\/platforms.worldpay-bsh.securedataplatform.com\/embedded-payments\/safer-payments\/\" target=\"_blank\" rel=\"noreferrer noopener\">SaferPayments,<\/a>&nbsp;a Worldpay product. In fact, Worldpay strongly encourage software companies to provide additional tooling to their merchants, if they are able, to simplify this process for them. You know the power and potential of software, so this is a great place to lean in and provide the services and solutions your unique base needs to be successful with payments.&nbsp;&nbsp;<\/p>\n\n\n<div class=\"quote-block first:mt-0 mt-5 mb-5\">\n    <svg class=\"w-[138px] min-w-[138px]\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 138 97\" fill=\"none\">\n        <g clip-path=\"url(#quote-clip-path)\">\n            <path fill=\"#A18CDE\"\n                d=\"m5.1 90.95 8.5-50.433c.756-4.345 2.644-7.745 5.667-10.2 3.022-2.645 6.894-3.967 11.616-3.967h12.184v64.6H5.1Zm51 0 8.5-50.433c.756-4.345 2.644-7.745 5.667-10.2 3.022-2.645 6.894-3.967 11.616-3.967h12.184v64.6H56.1Z\" \/>\n        <\/g>\n        <defs>\n            <clipPath id=\"quote-clip-path\">\n                <path fill=\"#fff\" d=\"M0 0h138v97H0z\" \/>\n            <\/clipPath>\n        <\/defs>\n    <\/svg>\n    <div class=\"acf-innerblocks-container\">\n\n<p class=\"has-3-xl-font-size wp-block-paragraph\" style=\"font-style:italic;font-weight:400\">Where merchants are able to use different technologies and things to reduce their scope and meet the eligibility criteria of some of these shortened SAQs, it\u2019s definitely in their best interest and we encourage them to do so because it reduces their scope and their risk and the heavy lift that comes with PCI DSS validation requirements.<\/p>\n\n<\/div>\n            <div class=\"flex flex-wrap mt-8\">\n            <p class=\"!mt-0\">\n                                    Judy Hagerty\n                                            <span class=\"px-0.5\">|<\/span>\n                                                                        <span class=\"font-semibold\">Compliance Analyst II, Payment Data Security at Worldpay<\/span>\n                            <\/p>\n        <\/div>\n            <\/div>\n\n\n\n<p class=\"wp-block-paragraph\">SaferPayments was built with SMBs in mind and delivers simplified PCI compliance, fraud protection, and data breach prevention with security tools and expert support that helps your merchants uncover risks, complete their PCI attestation, and reduce liability.<\/p>\n\n\n\n<h2 class=\"wp-block-heading mb-0\" id=\"pci-compliance-and-preparedness-begins-with-you\">PCI compliance and preparedness begins with you<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">With the changing risk landscape, and eCommerce SMBs at the centre, adequately preparing yourself and your merchants is essential to success. It is your responsibility as their software provider to ensure that they are adequately aware of cyber threats, like web skimming, and taking the necessary steps to protect their operation, like those outlined in PCI DSS. At the end of the day, we all have a role in making sure that the payment ecosystem is fortified, and cardholder data is safe and secure. This is no easy task, but we know that you can rise to the occasion.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Payrix team is here to support and guide software companies through the complexities of PCI compliance and ensure you look awesome to your merchants, and your merchants look just as extraordinary to their cardholders.\u00a0<a href=\"https:\/\/platforms.worldpay-bsh.securedataplatform.com\/request-demo\" target=\"_blank\" rel=\"noreferrer noopener\">Get in <\/a><a href=\"https:\/\/platforms.worldpay-bsh.securedataplatform.com\/en\/get-started\/\" target=\"_blank\" rel=\"noreferrer noopener\">touch<\/a><a href=\"https:\/\/platforms.worldpay-bsh.securedataplatform.com\/request-demo\" target=\"_blank\" rel=\"noreferrer noopener\"> with us<\/a>\u00a0to learn how we can support your PCI journey.<\/p>\n\n\n\n<div class=\"wp-block-custom-container bg-transparent mt-0 mb-0 pt-12 pb-12\" style=\"background-image:url(https:\/\/platforms.worldpay-bsh.securedataplatform.com\/wp-content\/uploads\/2025\/01\/Mask-group.png);background-size:cover\"><div class=\"container\"><div class=\"columns-block max-w-2000\" id=\"columns-block_2754ad9c38fe31d33850cfef4521a2a7\">\n    <div class=\"flex flex-wrap columns-block-container -mx-5 -mt-12 justify-start\">\n<div class=\"column-block flex flex-col mt-12 px-5  w-full md:w-full lg:w-full xl:w-full\"\n    id=\"column-block_76a3a0c262460f1b3fa26303d3ca1fc8\" >\n    <div class=\"flex flex-col flex-grow rounded-xl relative  bg-transparent items-start justify-start\">\n\n<h2 class=\"wp-block-heading has-white-color has-text-color has-link-color mb-0 wp-elements-9f2bd2ba64c100345434e51b0d8fee6e\">Ready to explore the platform?<\/h2>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color has-xl-font-size wp-elements-db2c8b859d8da16e8d923046dc4faee2 wp-block-paragraph\">Check out our on demand demo now.<\/p>\n\n<\/div>\n<\/div>\n\n\n<div class=\"column-block flex flex-col mt-12 px-5  w-full md:w-full lg:w-full xl:w-full\"\n    id=\"column-block_76a3a0c262460f1b3fa26303d3ca1fc8\" >\n    <div class=\"flex flex-col flex-grow rounded-xl relative  bg-transparent items-start justify-start\">\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link has-white-color has-blue-default-background-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/platforms.worldpay-bsh.securedataplatform.com\/en\/get-started\/\">Watch now<\/a><\/div>\n<\/div>\n\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div><\/div>\n\n<\/div>\n            <\/div>\n            <div class=\"w-full mt-8 lg:px-4 lg:max-w-96 lg:order-1\">\n                <div class=\"w-full lg:sticky lg:top-36\">\n                                                                <div class=\"w-full p-6 bg-purple-200 rounded-lg\">\n                            <p class=\"font-bold text-[17px] mb-3 lg:text-[25px]\">\n                                Table of Contents\n                            <\/p>\n                            <div class=\"blog-contents-container\">\n                                                                    <a class=\"relative flex w-full py-4 !no-underline\" href=\"#attackers-go-where-the-money-is-the-rise-of-web-skimming\"\n                                        x-on:click.prevent=\"changeTab('attackers-go-where-the-money-is-the-rise-of-web-skimming')\">\n                                        <span\n                                            class=\"mr-4\">01\n                                        <\/span>\n                                        Attackers go where the money is: The rise of web skimming\n                                        <span\n                                            class=\"absolute bottom-0 transition-all duration-300 left-0 w-full h-[1px] bg-grey\"\n                                            :class=\"tab === 'attackers-go-where-the-money-is-the-rise-of-web-skimming' ?\n                                                'bg-purple h-[3px]' :\n                                                'bg-grey'\">\n                                        <\/span>\n                                    <\/a>\n                                                                    <a class=\"relative flex w-full py-4 !no-underline\" href=\"#the-role-of-pci-compliance-for-merchants\"\n                                        x-on:click.prevent=\"changeTab('the-role-of-pci-compliance-for-merchants')\">\n                                        <span\n                                            class=\"mr-4\">02\n                                        <\/span>\n                                        The role of PCI compliance for merchants\n                                        <span\n                                            class=\"absolute bottom-0 transition-all duration-300 left-0 w-full h-[1px] bg-grey\"\n                                            :class=\"tab === 'the-role-of-pci-compliance-for-merchants' ?\n                                                'bg-purple h-[3px]' :\n                                                'bg-grey'\">\n                                        <\/span>\n                                    <\/a>\n                                                                    <a class=\"relative flex w-full py-4 !no-underline\" href=\"#safeguarding-your-ecommerce-merchants-with-security-tools\"\n                                        x-on:click.prevent=\"changeTab('safeguarding-your-ecommerce-merchants-with-security-tools')\">\n                                        <span\n                                            class=\"mr-4\">03\n                                        <\/span>\n                                        Safeguarding your eCommerce merchants with security tools\n                                        <span\n                                            class=\"absolute bottom-0 transition-all duration-300 left-0 w-full h-[1px] bg-grey\"\n                                            :class=\"tab === 'safeguarding-your-ecommerce-merchants-with-security-tools' ?\n                                                'bg-purple h-[3px]' :\n                                                'bg-grey'\">\n                                        <\/span>\n                                    <\/a>\n                                                                    <a class=\"relative flex w-full py-4 !no-underline\" href=\"#pci-compliance-and-preparedness-begins-with-you\"\n                                        x-on:click.prevent=\"changeTab('pci-compliance-and-preparedness-begins-with-you')\">\n                                        <span\n                                            class=\"mr-4\">04\n                                        <\/span>\n                                        PCI compliance and preparedness begins with you\n                                        <span\n                                            class=\"absolute bottom-0 transition-all duration-300 left-0 w-full h-[1px] bg-grey\"\n                                            :class=\"tab === 'pci-compliance-and-preparedness-begins-with-you' ?\n                                                'bg-purple h-[3px]' :\n                                                'bg-grey'\">\n                                        <\/span>\n                                    <\/a>\n                                                            <\/div>\n                        <\/div>\n                                        <div class=\"flex flex-wrap items-center w-full gap-2 p-6\">\n                        <p class=\"!mb-0\">Share:<\/p>\n                        <div class=\"flex items-center gap-y-2 gap-x-4\">\n                         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href=\"https:\/\/platforms.worldpay-bsh.securedataplatform.com\/en\/blog\/network-tokens-the-silent-revenue-engine-your-platform-is-missing\/\">Read now<\/a>\n    <\/div>\n<\/div>\n                    <\/div>\n                                                        <div class=\"flex h-auto px-4 mt-5 swiper-slide\" >\n                        <div class=\"flex flex-col justify-start flex-1 w-full h-full p-8 bg-white shadow-xl rounded-xl 2xl:p-12\">\n            <p class=\"text-base font-light text-black uppercase\">\n            ebook<\/p>\n                <h5>Implementation guide<\/h5>\n            <div class=\"mt-auto\">\n        <a class=\"mt-10 btn btn-blue-outline !no-underline\" href=\"https:\/\/platforms.worldpay-bsh.securedataplatform.com\/en\/resources\/ebook\/implementation-guide\/\">Download now<\/a>\n    <\/div>\n<\/div>\n                    <\/div>\n                                                        <div class=\"flex h-auto px-4 mt-5 swiper-slide\" >\n                   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       <a class=\"mt-10 btn btn-blue-outline !no-underline\" href=\"https:\/\/platforms.worldpay-bsh.securedataplatform.com\/en\/resources\/videos\/unlocking-growth-software-led-payments-transform-platforms-and-revenue\/\">Watch now<\/a>\n    <\/div>\n<\/div>\n                    <\/div>\n                                                        <div class=\"flex h-auto px-4 mt-5 swiper-slide\" >\n                        <div class=\"flex flex-col justify-start flex-1 w-full h-full p-8 bg-white shadow-xl rounded-xl 2xl:p-12\">\n            <p class=\"text-base font-light text-black uppercase\">\n            Blog post<\/p>\n                <h5>Fraud is no longer a merchant problem\u2014it\u2019s a platform imperative<\/h5>\n            <div class=\"mt-auto\">\n        <a class=\"mt-10 btn btn-blue-outline !no-underline\" href=\"https:\/\/platforms.worldpay-bsh.securedataplatform.com\/en\/blog\/fraud-is-no-longer-a-merchant-problem-its-a-platform-imperative\/\">Read now<\/a>\n    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