Catch the skimmer. Defend every checkout.
Continuously scan merchant website for injected scripts, malware behavior, and tampered checkout code.
Pain Points
Why teams need to monitor merchant websites?
Standard PCI scanning sees the server. Skimmers operate in the browser. Merchant Malware & E-skimming Module closes the client-side gap at portfolio scale.
Close the client-side blind spot
Traditional PCI scanning focuses on infrastructure and stored data. Modern skimmers live inside the browser injected into the merchant website itself and stay invisible to server-side checks until the breach surfaces in chargebacks or scheme notifications.
Inventory every third-party script
Analytics tags, marketing pixels, chat widgets, A/B test loaders, and CDN-hosted libraries are the most common injection paths. Without continuous script inventory and change detection, the attack surface grows quietly every time a merchant adds a vendor.
Meet PCI-DSS 4.0 and national data-protection mandates at scale
Cardholder and personal data theft is no longer just a scheme finding; it's a citizen-safety issue regulated at the national level. PCI-DSS 4.0 (requirements 6.4.3 and 11.6.1), central bank circulars (CBUAE Notice 3057, SAMA cybersecurity frameworks), and national data-protection laws (KVKK in Turkey, UAE PDPL, KSA PDPL, GDPR / UK GDPR) all demand continuous detection of client-side compromise with breach notification windows measured in hours, not days. Manual reviews cannot run across a live merchant portfolio on the cadence any of these regulators expect.
Solutions
How Merchant Malware & E-skimming Module solves these problems?
Onlayer scans merchant checkouts continuously, detects skimming behavior in real time, and captures the evidence PCI-DSS 4.0, card schemes, and QSAs expect.
Continuous Merchant Websites Scanning
Monitor every script, iframe, and tag loaded on merchant checkout pages — including dynamically injected, lazy-loaded, and third-party-hosted code. Detect unauthorised changes to payment forms, sensitive input fields, and submission endpoints the moment they occur. Build a full inventory of every script touching cardholder data across the active merchant portfolio, refreshed continuously.
Malware & Skimmer Behavioural Detection
Match against known e-skimming families; Web skimmer signatures, formjacker patterns, mobile checkout injectors. Apply behavioral detection to flag suspicious activity: keystroke logging, cross-domain form posting, obfuscated JavaScript, unauthorised endpoint exfiltration. Correlate skimmer activity with merchant context such as MCC, traffic profile, processing volume to prioritize the highest-impact breaches for immediate response.
PCI-DSS, Central Bank & Data-Protection Alignment
Map detection output to PCI-DSS 4.0 requirements 6.4.3 and 11.6.1, central bank circulars (CBUAE Notice 3057, SAMA cybersecurity frameworks), and national data-protection laws (KVKK, UAE PDPL, KSA PDPL, GDPR / UK GDPR). Capture tamper-resistant evidence logs, timestamped script snapshots, and forensic chains that satisfy QSA assessment, scheme audit, AND regulatory breach-notification requirements under a single output. Generate jurisdiction-aware audit reports that align with local notification windows (hours, not days) for cardholder and personal-data incidents.
WHO IT’S FOR?
One tool helps multiple teams achieve their goals. Connect your departments with a single, shared platform.
Risk & Compliance
Close the PCI-DSS 4.0 client-side gap before scheme audits or breach disclosures expose it. Get continuous evidence of payment-page integrity across every merchant in the portfolio.
Acquiring
Protect the acquiring license from PCI-DSS non-compliance findings and the chargeback waves that follow undetected skimming campaigns. Show schemes that controls are running 24/7.
InfoSec
Surface live client-side threats in time to act, not after a breach disclosure. Capture evidence the moment a script is altered, with chain-of-custody preserved for incident response.
Ready to take control of merchant risk?
See how Onlayer fits your workflow in a short demo.