The VISA alert did not report how widespread the problem is nor where the affected merchants are located, but it did suggest that, for now, the malware targeted only the card data for magnetic-strip swipe transactions. The malware infects a merchant’s entire point-of-sale environment that includes all of its card readers, so it is more sophisticated and harder to detect than a card skimmer (a physical, fake card reader that sits on top of the real reader and steals data one reader at a time). The thieves likely gained access to the networks through phishing emails with malicious links that, when clicked, installed malware to steal payment card data. VISA recently discovered thieves hacking merchant point-of-sale networks that allowed the hackers to remotely steal credit card information from transactions made on the merchants’ card readers. And using a credit card or running a debit card transaction as credit gives you more protection than running it as debit. Inserting a payment card with a chip is more secure than swiping a payment card with a magnetic strip. Attorney General Dana Nessel is highlighting the newest consumer warning from VISA, alerting consumers about a new scam where thieves steal your information when you swipe your payment card at checkout.
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