Have you experienced fraud in your online store? Too many webshops are vulnerable. In fact, Dansk Erhverv reported that 38% of Danish online retailers were targeted by fraudsters in 2024. The most common methods were phishing and the use of stolen credit cards.
For dig som webshopejer kan det betyde risiko for tabte indtægter, mistet kundetillid og ekstra omkostninger. Derfor er det afgørende at handle proaktivt – uden at gå på kompromis med en smidig kundeoplevelse. Her får du tre konkrete og gennemtestede tips, som hjælper dig med at beskytte din webshop og skabe tryghed for dine kunder.
For you as a shop owner, this can lead to lost revenue, diminished customer trust, and unforeseen costs. That is why it is crucial to act proactively - without compromising a seamless customer experience. Here are three concrete, battle-tested tips to help you protect your webshop and ensure peace of mind for your customers.
Important Clarification: Attacks on Your Shop vs. Order FraudBefore we dive into the tips, it’s important to distinguish between two different threats: phishing and credit card fraud.
1. Phising and Technical Attacks: Here, hackers compromise your webshop’s code to deceive your customers. A common method is installing a fake payment form directly in your checkout, which intercepts the customer’s card details before they ever reach your actual payment gateway.
2. Stolen Card Fraud: Here, stolen card information is used to complete an order on an otherwise secure and functioning webshop.
The three tips in this article focus on identifying and stopping fraudulent orders (point 2). Protecting yourself against direct technical attacks (point 1) is instead a matter of fundamental platform maintenance:
Once the technical foundation is in place, you are ready to catch the fraudsters attempting to shop with stolen cards.
Fraud methods are becoming more sophisticated, but fortunately, so are the tools at your disposal.
Effective protection is about combining robust systems with a vigilant human eye. While automated fraud monitoring via your payment gateway catches the vast majority of attempts, having a manual review procedure is a vital supplement. The ability to recognize suspicious data patterns before an order is shipped is a critical tool.
Fraudsters often leave digital footprints. By knowing what to look for, you and your team can quickly spot red flags.
How to check for fraud:
Check where the customer's IP address originated here:
https://www.ip2location.com/demo/118.148.74.191
Mismatched Customer Information: Does the name on the card match the recipient's name? Are the shipping and billing addresses vastly different? While there may be legitimate reasons (e.g., a gift), it should trigger an alarm, especially when combined with other red flags.
Suspicious Login Activity: Many failed login attempts from the same IP address can indicate an attempt to breach a customer account. This is known as a "brute force attack" and can be used to take over existing customer accounts.
Monitoring these patterns in your order flow creates a powerful human filter to support your automated systems.
The fight against fraud is a constant race. Fraudsters' methods are evolving, and in response, legislation is continuously tightened. Understanding the latest trends isn't just a technical exercise – it's essential for protecting your business and maintaining customer trust.
What was secure enough yesterday may be an open door for fraudsters tomorrow.
The key developments you need to know:
Evolution of Legislation: From PSD2 to PSD3: You are likely familiar with the PSD2 directive, which introduced Strong Customer Authentication (SCA). This made 3D Secure the industry standard. However, its successor, PSD3, is already on the horizon. This new directive will place even more emphasis on proactive fraud prevention and grant customers more rights regarding new forms of fraud, such as "spoofing" (where a fraudster poses as a bank).
The Challenge: Necessary Security vs. A Seamless Experience: Today's customers expect lightning-fast, frictionless payments. The challenge is not to avoid security checks – as they are legally required – but to make them as intelligent and seamless as possible.
SCA means that the customer must actively approve a payment using at least two independent factors. As correctly pointed out, this isn't just 3D Secure with MitID for card payments. It can just as easily be an approval in the MobilePay app, where access to the phone and the app itself constitutes the security.The challenge, therefore, is not to avoid security checks – as they are legally required – but to make them as intelligent and frictionless as possible. This is where modern payment systems and risk-based analysis play a central role. The system assesses the risk of each individual transaction:
The goal is to let security work intelligently in the background. Mandatory checks should feel like a natural and reassuring part of the purchase – not an unnecessary obstacle standing in the way of a sale.
The final and perhaps most important piece of advice concerns your payment solution. It is the heart of your webshop – and one of the most critical places to prevent fraud. Outdated systems can neither handle modern threats nor live up to customer expectations.
How to strengthen your security:
These security measures are essential for any modern webshop. Rather than piecing together a solution, it’s about choosing a payment partner where security is a built-in part of the foundation.
At pensopay, this is exactly our mission. We have built our platform around proactive protection so you don't have to worry. Advanced card security with 3D Secure 2.0 is a given, a wide range of recognized payment methods provides both flexibility and peace of mind, and our systems automatically protect your business around the clock.
This way, you can have peace of mind and focus on what matters most: driving growth and giving your customers a great experience.
Want to dive even deeper into payment solutions and e-commerce? See all news from pensopay, where you will find plenty of tips, guides, and inspiration to optimize your webshop:
Team pensopay