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Credit card cloning refers to a subtle electronic theft that can occur as effortlessly as using a credit or debit card at an ATM, gas station, supermarket, or bank. This type of fraud is widely seen in the United States and is quickly expanding to other nations.



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A card is copied when a criminal captures the electronic serial number and account information from a card’s magnetic stripe using a compact handheld device called a "skimmer." The use of traditional magnetic stripe technology persists because it is low-cost and convenient for both cardholders and retailers. It is straightforward to replicate cards and make purchases using cloned cards. Customers often only realize they have fallen victim to card cloning when their legitimate purchase attempts are declined or they are implicated in fraudulent activities such as mail-order, online, or telephone credit card fraud, as merchants employing these systems lack the ability to perform the essential data verification processes at the point of sale for cardholders.





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