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The payment card industry has grown rapidly the last few years. Companies and institutions move parts of their business, or the entire business, towards online services providing e-commerce, information and communication services for the purpose of allowing their customers better efficiency and accessibility. Regardless of location, consumers can make the same purchases as they previously did "Over the desk". The evolution is a big step forward for the efficiency, accessibility and profitability point of view but it also has some drawbacks. The evolution is accompanied with a greater vulnerability to threats. The problem with making business through the Internet lies in the fact that neither the card nor the cardholder needs to be present at the point-of-sale.
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