New Skimming Attack Exploits Stripe API to Steal Payment Data

A Dangerous Evolution in Web Skimming Attacks

Cybersecurity researchers at Jscrambler have uncovered a new and sophisticated skimming attack that exploits the Stripe API to steal payment information directly from e-commerce checkout pages. Unlike traditional skimmers that create fake payment forms, this attack manipulates legitimate payment flows to extract sensitive financial data without raising suspicion.

By injecting a malicious JavaScript script, attackers can intercept and exfiltrate credit card details in real-time before they even reach Stripe’s secure payment processing system. The malware seamlessly integrates with existing functions, making it exceptionally difficult to detect. Once payment information is entered, the script quietly transmits the stolen data to attacker-controlled domains.

This attack specifically targets businesses using Stripe, one of the most widely adopted online payment processing services. Since Stripe serves businesses of all sizes, the scope of potential victims is vast.

According to Jscrambler, their investigation has already identified 49 affected merchants, but the actual number is likely much higher. Because many e-commerce sites rely on third-party scripts, they remain vulnerable if security measures are not strictly enforced.

How to Detect This Attack

Security researchers have flagged several warning signs that may indicate a skimming attack leveraging the Stripe API:

– Unusual modifications in JavaScript files.

Unexpected network requests being sent to unfamiliar domains.
Altered Stripe API calls that redirect data outside legitimate processing flows.

Preventing Web Skimming Attacks

To combat this type of attack, online merchants and payment providers should:

Monitor web pages in real-time to detect unauthorized scripts.
Use secure iFrame solutions to isolate payment fields from potential hijacking.
Ensure compliance with PCI DSS 4.0.1, a key security standard for online transactions.

Given that smaller merchants often lack the resources to fully implement these security protocols, automated protection solutions become a critical defense against these evolving threats.

What Undercode Say:

The Stripe API skimming attack highlights a growing cybersecurity concern: hackers are no longer just creating fake payment forms but are instead manipulating legitimate payment processing services. This shift poses a severe threat to online merchants, as even businesses following standard security practices may be at risk.

Why This Attack is More Dangerous

Legitimacy Cloak: Unlike traditional skimming attacks that inject fake payment fields, this technique works within Stripe’s existing framework, making it harder to detect.
Real-time Data Theft: Because the script steals data before Stripe encrypts and processes it, fraud detection systems may not immediately recognize the breach.
Widespread Exposure: Since Stripe is used by businesses worldwide, the attack has potentially massive repercussions, affecting thousands of online stores.

Implications for Online Merchants

Small businesses are at high risk due to limited security budgets and expertise.
Regulatory compliance is crucial—businesses need to enforce PCI DSS 4.0.1 standards to avoid legal and financial repercussions.
A proactive approach is necessary—merchants must continuously audit their websites for unauthorized changes.

Could This Happen to Other Payment Processors?

Yes. While this attack specifically targets Stripe, any payment processor with an API-based checkout system could be vulnerable if similar techniques are applied. Competitors like PayPal, Square, and Adusd could also face similar threats if attackers develop API-exploitation malware.

Future Trends in Payment Security

Increased Adoption of Secure iFrames: More businesses will shift towards iFrame-based payment solutions to isolate sensitive data from web page vulnerabilities.
Machine Learning for Threat Detection: AI-driven behavioral analysis tools will become critical in detecting real-time anomalies in API calls.
Stronger API Security Protocols: Payment providers will need to tighten API authentication and improve data encryption measures at every stage of processing.

Final Takeaway

This attack is a wake-up call for online businesses. As cybercriminals refine their tactics, companies must stay ahead with proactive security measures—not just relying on compliance but actively monitoring and defending their payment infrastructure.

Fact Checker Results

The attack method is real and confirmed by Jscrambler.
At least 49 merchants have been affected, though the number is likely higher.
Security measures such as real-time monitoring and iFrame solutions can help mitigate this threat.

References:

Reported By: https://www.infosecurity-magazine.com/news/stripe-api-skimming-campaign-new/
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