Catch the skimmer. Defend every checkout.
Continuously scan merchant payment pages for injected scripts, malware behaviour, and tampered checkout code. Cardholder and personal data theft is a citizen-safety issue, not just a scheme finding, to meet PCI-DSS 4.0 alongside national data-protection mandates and central bank circulars across an active portfolio, with audit-ready evidence captured automatically.
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.