Digital payments have become widespread in many sectors, including e-commerce, food delivery, events (cashless top-ups), and online services. However, this transformation has also been accompanied by an increase in fraud attempts and cyberattacks.
In France, 73% of internet users report having been exposed to an attempted online scam in 2025, and nearly four in ten internet users say they have fallen victim to one, according to a study by Crédoc (Center for Research on the Study and Observation of Living Conditions). At the same time, digital-related crimes continue to rise, illustrating the growing scale of cybercrime.
This situation is part of a broader trend of rising cybercrime. According to Interpol, in a report published on Monday, March 16, cyberfraud has increased by more than 50% in recent years, driven by the proliferation of online scams and phishing techniques.
Globally, losses from online fraud are expected to exceed €400 billion by 2025, proof that cyberfraud has become an industry-wide phenomenon.
In this context, payment security is no longer just a technical issue: it has become a strategic priority for companies seeking to protect their transactions, their banking data, and their customers’ trust.
👉 The main threats to online payments
Digital payments are now the target of various types of attacks.
Phishing and text message scams
Scammers use fraudulent emails or text messages to trick users into sharing their banking information or clicking on malicious links.
Data interception
When systems are not sufficiently secure, payment information can be intercepted during transmission.
The theft of banking data
Databases containing payment information may be targeted by cyberattacks in order to steal credit card numbers or login credentials.
Credit card fraud
Stolen bank information can then be used to carry out fraudulent online transactions.
In response to these threats, various standards, technologies, and payment methods have been developed to enhance transaction security.
👉 Standards governing payment security
PCI DSS Certification
The PCI DSS (Payment Card Industry Data Security Standard) is an international standard designed to protect payment data.
In particular, it requires:
- the encryption of banking data
- strict access controls for systems
- infrastructure monitoring
- regular security audits and scans
PCI DSS Level 1-certified providers , such as Easytransac, adhere to the highest security standards for processing payment data.
The European PSD2 Directive
In Europe, payments are also governed by the Payment Services Directive (PSD2).
This regulation aims to enhance transaction security and reduce fraud throughstrong customer authentication.
The 3D Secure protocol
The 3D Secure protocol adds an authentication step during the payment process.
For example, the transaction can be confirmed via:
- a code sent via text message
- a confirmation in the banking app
- biometric authentication
This step confirms that the cardholder is indeed the one making the payment.
👉 Technologies that secure payments
Data encryption
Payment information is protected using encryption protocols such as TLS, which secure data transmission between the user and payment systems.
Two-factor authentication
Multi-factor authentication verifies a user's identity using multiple factors, such as a password and a code sent to a mobile device.
Biometric authentication
More and more payments are being authorized using biometric methods, such as:
- the fingerprint
- facial recognition
These technologies enhance security while simplifying the user experience.
Firewalls and Network Security
Payment infrastructures are protected by network security systems and firewalls designed to detect and block intrusion attempts.
👉 Payment methods designed to enhance security
Digital wallets
Digital wallets such as Apple Pay and Google Pay use technologies like tokenization and biometric authentication to protect payment data.
Virtual cards and prepaid cards
Virtual or prepaid cards help reduce the risk of fraud by preventing you from directly sharing your primary credit card information.
Payment by bank transfer
Payment by bank transfer can also be a secure alternative, especially when combined with strong authentication mechanisms.
👉 The Role of Omnichannel Payment Platforms
Omnichannel payment platforms enable the centralization of transaction processing and the application of advanced security measures across all payment methods.
By providing a secure channel for transmitting payment information between customers, businesses, and financial institutions, they play a vital role in securing transactions and preventing fraud.
💡How Easytransac secures payments
Easytransac’s solutions are part of this approach, offering a secure omnichannel payment platform that enables merchants to accept payments through multiple channels: online payment, mobile payment, QR codes, or payment links.
The Easytransac infrastructure incorporates multiple layers of security, including:
- a certified infrastructure PCI DSS Level 1 Service Provider (the highest security standard for payments)
- compliance with PSD2 requirements
- 3D Secure authentication for online payments
- advanced encryption protocols
- regulated payment service providers
These mechanisms help protect payment data and ensure a secure environment for transactions.
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Conclusion
Payment security today relies on a combination of technologies, standards, and best practices.
From data encryption and strong authentication to digital wallets and international standards such as PCI DSS, companies have a wide range of tools at their disposal to secure transactions and build user trust.
Choosing a reliable and secure payment solution is therefore essential to ensuring a payment experience that is both seamless and secure.
Sources
“73% of Internet users will be exposed to online scams by 2025,” by vie-publique.fr, 2025
“Online Scams: Cyberfraud Up by More Than 50%, Interpol Warns,” by liberation.fr, March 16, 2026
“Fraudulent text messages, SIM card scams: online fraud is skyrocketing,” by lindependant.fr, March 16, 2026
“Alarming Statistics on Online Scams in 2025,” by tf1info.fr, 2025
