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Phishing emails are the cause of an estimated two-thirds of all ransomware infections. Criminals use two distinct phishing tactics to deliver ransomware: Spray-and-pray campaigns that send out infected emails to random targets. More precise spear-phishing in which a criminal sends a personalized email to each target.

After ransomware encrypts files, it displays a screen to the user announcing files are encrypted and the ransom amount. Usually, the victim is given a specific period of time to pay or the ransom increases. Attackers also threaten to expose businesses and publicly announce that they were victims of ransomware.

Ransomware is often spread through phishing emails that contain malicious attachments or through drive-by downloading. Drive-by downloading occurs when a user unknowingly visits an infected website and then malware is downloaded and installed without the user's knowledge.

PCI DSS controls cover any business that: Processes digital transactions and payments using cards. Stores credit card data. Transmits cardholder information to another entity. Has contact with protected cardholder data.

Most ransomware attacks start as a phishing message, which is when a cybercriminal sends you an email, message, social media post, or text that includes a malicious download or link.

The PCI DSS applies to any organization that stores, transmits, or maintains any cardholder data, regardless of size or the volume of transactions. This means, it applies to merchants, issuers, acquirers, and processors?basically any entity involved in card payment processing.

Ransomware is software that infects computer networks and mobile devices to hold your data hostage until you send the attackers money.