How To Spot and Avoid a Credit Card Skimmer at the Gas Pump
July 3, 2019
The use of gas pump card skimmers is on the rise all over the country — even here in Siouxland. However, you can minimize your risk of being a target if you're watchful for common signs that a gas pump's payment terminal has been compromised. Learning how to spot a credit card skimmer is an important skill to add to your financial safety skill set. Read on to learn tips for how to spot skimmers at gas pumps.
What are credit card skimmers?
Credit card skimmers are devices that can be attached to ATMs, gas pumps, and any other external payment terminal. They come in all shapes, sizes and varying degrees of complexity.
What does a credit card skimmer look like?
- Some skimmers are physically attached to the machine, extending the card slot so that it captures your information as you slide your card.
- Other criminals install hidden cameras to capture your PIN or zip code, and then slip away with your money without even needing your wallet.
- Some thieves install fake keypads, replacing the need for cameras.
- Finally, Bluetooth and cell phone technology can be used to retrieve information from skimming devices, meaning criminals don't even need to be at the scene of the crime when it happens.
How to Detect Gas Pump Skimmers
A gas pump offers many opportunities for a scammer to try to steal your private financial information and compromise your online safety, and most of us are probably in a hurry when we fill our gas tanks. But if you remain vigilant and learn how to detect gas pump skimmers of all types, you’ll be able to stay safe at the pump.
1. Check the pump panel for tampering.
This lockable door on the gas pump or ATM should be closed and securely fastened; many gas stations take the additional step of placing a tamper-resistant seal over the door. If the tamper-resistant seal is broken, do not use the gas pump, and tell an employee that the pump may not be safe to use.
Source: Ocala (Fla.) Post Website
2. Inspect the card slot as well as the PIN pad.
Try to wiggle the card slot. If it seems loose, you may want to move along to another terminal. Likewise, if the PIN pad seems obtrusively thick, or if it does not match the pads on other pumps, this is a clear sign that something is amiss.
Source: Kamloops RCMP
Source: KXXV & Mart (Texas) Police Department
3. Be on the lookout for hidden cameras.
High-tech data thieves sometimes use tiny cameras to obtain card information as you type it into the PIN pad. Be on the lookout for tiny pinhole cameras, or phony screen shades attached above the screen display that may conceal a hidden camera. Most importantly, if using the PIN pad, always shield your PIN with your hand.
Source: WTAQ (Wis.) Radio
4. Avoid the PIN pad entirely.
If you are paying for gas with your SNB Debit Card, run the card as a credit card instead. This limits the cost to the current transaction, affords you additional protections, and avoids the PIN pad entirely. Another way to avoid the PIN pad, if you're still wary of a pump's payment system, is to pay for your gas inside.
5. Choose the pump closest to the gas station.
Thieves often install their skimming devices on the least attended pumps at a gas station, so if possible, choose a pump close to the physical building or the cashier's line of sight. Also, try to fuel up at stations that have cameras installed as an extra security measure.
6. There’s an app for that!
While certainly not foolproof, a skimmer detection mobile app called "Skimmer Locator" has been developed for iPhones. This app will scan the immediate area for Bluetooth devices that some thieves use to skim your card information. This works well for the more modern skimmers but not the older versions, so be diligent in searching for visible signs of tampering.
What's Next? Watch Out For Card “Shimming”
With the advent of chip-enabled cards, card users have a great way to protect themselves from skimmers. These chip-based cards are by far the safest form of card to use at a payment terminal, but there is still a risk to using one. The steps you’ve just learned about how to spot a credit card skimmer won’t be helpful if a shimmer has been installed.
Card “shimming” is a new technique scammers use to target chip-based credit and debit cards. A “shimmer” is named as such, because it acts like a shim, sitting between the reading device and the chip on the card you insert. Shimmers are much harder to detect than skimmers because they are paper-thin devices that actually sit inside the reader, hidden from plain sight (see below photo). No matter how much you’ve learned about how to spot skimmers at gas pumps, you’d have a hard time spotting a device completely hidden from view.
Although thieves cannot use the stolen chip information to fabricate a new chip card (the technology is too sophisticated), in some instances they could use the chip data to create a “clone” magnetic strip card to use — but only if the bank issuing the chip card hasn’t followed the right procedures. As long as your bank has taken proper precautions and implemented the chip card standard known as EMV (short for Europay, MasterCard and Visa), your chip card will still be safe. This is because the EMV standard adds an additional layer of security that protects against the copying of magnetic stripe data — even from “shimmers.”
At Security National Bank, we follow all procedures to ensure our chip cards are equipped with the necessary EMV protection mechanisms to keep your information secure.
The First Line of Defense is You
As always, monitor your bank accounts closely for any suspicious activity. If you find anything, report it to your financial institution and law enforcement right away. Luckily, with tools like mobile banking, monitoring your account activity is now easier and more convenient than ever!
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