Cybersecurity isn’t about paranoia, it’s about survival. Fraudsters are constantly evolving and innovating, and if you don’t stay ahead, they’ll hit your customers, systems, and bottom line.
Every time a customer hands over their credit card or personal details, they trust your business to protect them. If your defenses fail, it’s not Visa or PayPal who pays the price, it’s you. Data breaches don’t just drain accounts; they impact customer trust and, eventually, your reputation. Once your name is linked to stolen information, customers won’t come back.
Cybersecurity isn’t a “nice-to-have,” it’s the backbone of trust in online shopping. Without it, even the best checkouts or lowest processing fees won’t matter. In 2025, when AI tools allow hackers to generate attacks in milliseconds, the margin for error has never been thinner.
The Most Common Cyber Attacks Businesses Face
Hackers have a lot of tools, but some are more dangerous and nefarious than others. These are the attacks most e-commerce merchants encounter:
Denial-of-Service (DoS/DDoS)
Criminals flood your site with fake traffic until it crashes, driving actual customers away.
Malware & Ransomware
Malicious software locks down your business until you pay a “ransom.”
Phishing Scams
Fraudsters trick employees or customers into handing over login details.
Cross-Site Scripting (XSS)
Hidden code gets added to your site, exposing visitors to malware or harmful redirects.
DNS Spoofing & E-Skimming
Hackers clone your website to steal checkout data and customer card details in real-time.
AI-Driven Phishing & Deepfakes
Attackers are now using AI to generate phishing emails, fake audio messages, and deepfake videos that convincingly impersonate executives or customer service staff.
Supply Chain Exploits
Hackers don’t always attack merchants directly. They compromise third-party tools like payment plugins or inventory software to insert backdoors into your business.
These scams and hacks are all different, but they all have the same goal: stealing your revenue.
Why Cyber Threats Are Getting Worse
E-commerce exploded after the pandemic with an increase of 43% in 2020 alone. More online customers means more opportunities for hackers. Fraudsters don’t need advanced tech to steal the data they’re after; they just need to exploit one weak link in your defenses.
But the rise of AI-powered attacks has changed the game:
- AI allows criminals to craft convincing phishing attempts at scale
- Deepfake audio can trick employees into sending payments or revealing login credentials
- Automated bots make DDoS attacks stronger and cheaper than ever
The stakes are higher than ever. These attacks don’t just affect customer accounts or cards, they can directly impact your business. A single breach can lead to:
- Chargebacks and compliance fines
- Frozen accounts or lost processing privileges
- Permanent damage to brand trust
Cybersecurity is about staying ahead so your business and your customers don’t fall behind.
How Businesses Can Protect Themselves
The good news? You’re not defenseless, and it’s not difficult to fight back. Smart merchants adopt the kinds of strategies that keep attackers at bay:
Stay PCI DSS Compliant
Meeting these standards isn’t optional—it’s the baseline for payment security.
Use Firewalls & Monitoring
Active scanning and patching block vulnerabilities before hackers exploit them.
Educate Employees
Most breaches start with human error. Training your team cuts off the easiest entry point.
Limit Data Access
The fewer people who touch sensitive information, the smaller the attack surface.
Utilize 2 Factor Authentication
Implement for access to all systems, including third-party access.
Implement Velocity Thresholds
Most importantly, at the gateway level.
Utilize CAPTCHA
Captcha and similar protocols can boost checkout security.
Adopt AI Security Tools
Use the same technology hackers rely on. AI fraud detection can spot anomalies before they escalate.
Be Transparent With Customers
Tell them how you’ll (never) ask for sensitive information so they can spot scams.
Scams have evolved, but so have our strategies for fighting them. Keep yourself prepared, and you’ll keep your business, customers, and revenue protected.
Smarter Security With A Smarter Processor
At Luqra, we know payment security isn’t an option. Unlike traditional processors that leave you exposed to fraud, we build defenses into the core of our platform. Our tools spot suspicious behavior before it costs you revenue. From detecting card-testing attacks to flagging phishing attempts, we cut off fraud at the source.
Protecting payments isn’t just about avoiding breaches; it’s about protection.
Want to actually secure your revenue?
Contact Luqra today to make secure processing a priority.
