Card Skimmer

A card skimmer is a malicious device illicitly installed on top of or alongside legitimate card-reading devices with the intent to clandestinely capture and store payment card information. These devices are typically small and discreet, making them difficult to detect by unsuspecting cardholders. Skimmers are most commonly placed on ATMs, gas station pumps, and other publicly accessible card readers where oversight might be minimal.

When a payment card is swiped or inserted into a reader that has been compromised with a skimmer, the device captures the data stored on the card’s magnetic stripe, which includes the cardholder’s name, card number, expiration date, and other sensitive information. This stolen data can then be used to clone cards or conduct fraudulent transactions.

To combat card skimming, it is advised that consumers inspect card readers for any unusual attachments or tampering signs before use and prefer machines in secure locations. Meanwhile, merchants and financial institutions are increasingly implementing security measures such as tamper-evident seals and enhancing the physical security of their card readers. Additionally, the adoption of EMV chip technology, which is more secure than magnetic stripes, has been effective in reducing the incidence of skimming-related fraud.