Formjacking: The newest way hackers are stealing credit card information

Formjacking: Advanced Techniques and Prevention for 2024

Formjacking is an increasingly sophisticated cyberattack where malicious JavaScript is injected into e-commerce websites to steal sensitive information, primarily credit card details. The attack mimics physical card skimming, but it occurs online, targeting web forms used during transactions. In many cases, it is hard to detect because it operates entirely in the background—neither the website owner nor the user is aware of the theft until much later.

One of the most common perpetrators of formjacking attacks is Magecart, a consortium of hacker groups that exploit vulnerabilities in e-commerce platforms like Magento and third-party services such as payment processors. Magecart injects malicious JavaScript to steal payment details from compromised websites, often targeting the weakest links in the supply chain, such as third-party plugins or customer service widgets.

Key Challenges and Advanced Threats

Formjacking attacks are evolving with more advanced techniques, such as:

1. Client-Side and Server-Side Attacks: In some cases, attacks operate purely on the client-side by injecting malicious JavaScript that exfiltrates sensitive information. In other scenarios, attackers inject server-side skimmers, often through compromised PHP files, making the attack invisible to browser-based monitoring solutions. Hybrid attacks combine both methods to avoid detection by traditional security tools​(Reflectiz)​(Sucuri).
2. Obfuscation and Persistence: Magecart groups often employ obfuscation techniques to hide their malicious code. Moreover, once they compromise a website, they create persistent backdoors, such as rogue admin accounts or reinfection mechanisms (e.g., hidden database triggers), making it difficult to fully eliminate the threat. Even if a website is cleaned, many are reinfected within days​(Imperva)​(Sucuri).
3. Supply Chain Vulnerabilities: One of the biggest challenges with formjacking is that many attacks are supply chain-based. Hackers compromise third-party services or software used by websites, allowing the malicious code to be injected indirectly. For example, in the British Airways breach, attackers leveraged vulnerabilities in third-party payment services​(Comparitech)​(Imperva).

Advanced Prevention Techniques

To defend against formjacking attacks, especially for advanced users, it’s crucial to adopt both proactive and reactive measures:

1. Client-Side Monitoring and Script Control: Implement strict controls on the third-party JavaScript used by your website. Use tools such as Content-Security-Policy (CSP) headers to limit the domains from which scripts can be loaded, reducing the risk of cross-site scripting (XSS) and code injection attacks​(Imperva).
2. Automated Penetration Testing and Vulnerability Scanning: Regularly conduct penetration tests and vulnerability scans. This should not be limited to manual testing but should involve automated solutions that continuously scan for vulnerabilities in both your own code and third-party components. Automated tools can detect changes in your website’s code that could indicate formjacking​(Reflectiz).
3. Behavioral Analytics and AI: Use AI-driven solutions to monitor web traffic and user behavior. These tools can establish a baseline of normal activity and detect anomalies that may indicate formjacking attempts. Machine learning models can flag abnormal connections or data being sent to unauthorized servers​(Reflectiz).
4. Supply Chain Auditing: Ensure that all third-party services integrated into your website are regularly audited for security. This includes payment processors, customer service widgets, and analytics services. Many attacks stem from vulnerabilities in these external services​(Comparitech)​(Imperva).
5. File Integrity Monitoring: Use file integrity monitoring (FIM) tools to track any changes in the codebase, especially PHP or JavaScript files. This helps detect unauthorized modifications that may indicate a server-side skimmer has been added​(Sucuri).
6. Immediate Incident Response: Have an incident response plan in place to deal with formjacking. If an attack is detected, you need to be able to quickly identify the compromised files, block malicious traffic, and patch vulnerabilities. Responding quickly can minimize the damage​(Imperva).

Conclusion

Formjacking remains a persistent and stealthy threat, with attackers increasingly leveraging supply chain vulnerabilities and advanced obfuscation techniques to steal sensitive information. Businesses, especially those in e-commerce, must adopt a multi-layered approach to security, including real-time monitoring, strict third-party code controls, and rapid incident response mechanisms to mitigate the risk of this growing cyberthreat.

By staying ahead of these tactics and employing advanced detection and prevention strategies, organizations can protect their customers’ data from the ongoing threat of formjacking in 2024 and beyond.

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