| Method | How It Works | Example | |--------|--------------|---------| | | Fake email pretending to be from Visa/bank asking for “CVV verification.” | “Your account is locked—click here to re-enter your CVV.” | | Skimming | Device attached to ATMs or gas pumps reads magnetic stripe and captures PIN/CVV from keypad overlay. | Over 150,000 cards skimmed at U.S. gas stations in 2023. | | E-skimming | Malicious JavaScript injected into checkout pages steals CVV in real time. | British Airways breach (2018) – 380,000 cards. | | Man-in-the-Middle (MITM) | Hacker intercepts payment form data on public Wi-Fi. | Fake Starbucks Wi-Fi hotspot. | | Insider theft | Call center employee or restaurant server writes down CVV from physical card. | Ongoing problem in hospitality. |
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