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’Tis the Season to Be Cyber-Wary: How Thales Protects Against Account Takeover During Peak Shopping Season
The holiday shopping season is the busiest time of year for online retailers, and increasingly the most dangerous. As traffic surges and customers rush to place orders, cybercriminals use the distraction and volume to blend in. Account Takeover (ATO) attacks spike sharply in November and December, targeting shoppers’ saved payment details, loyalty points, wish-lists, and personal data.
Most retailers focus on keeping sites fast and campaigns running smoothly, but this seasonal pressure creates blind spots in authentication, login flows, and Application Programming Interface API endpoints. Attackers know this and use automated tools and AI-driven bots to slip into accounts with little resistance.
During peak season, it doesn’t take long for an unnoticed credential-stuffing surge, or a burst of suspicious login attempts to translate into real financial loss and customer frustration. For many retailers, the challenge isn’t a dramatic breach, it’s the quiet, persistent account abuse that goes undetected until the damage is already done.
The Escalation of Account Takeover Attacks
According to the 2025 Imperva Bad Bot Report, Account Takeover attacks increased by 40 percent in 2024 and by more than 50 percent since 2022. The rise reflects the expanding attack surface of modern digital businesses and the increasing availability of stolen credentials.
ATO attacks are rarely brute force assaults in the traditional sense. Most rely on automation and intelligence. Attackers use:
- Credential stuffing to test stolen username and password pairs obtained from prior data breaches
- Credential cracking to predict likely passwords using AI or dictionary-based guessing techniques
- Brute force attacks to systematically attempt all possible combinations where no prior credential data exists
Each of these techniques is enhanced by bot networks capable of emulating legitimate traffic and distributing attacks across thousands of IP addresses to avoid detection.
Once an account is compromised, attackers can alter stored payment details, redeem loyalty points, exfiltrate personal data, or pivot into connected systems through single sign on integrations. The damage can be widespread and difficult to undo, making remediation costly, complex, and often too late to fully protect the victim.
The Cost of Compromise
A successful Account Takeover is not just a security failure; it is a business crisis. The consequences cascade across financial, regulatory, and reputational dimensions.
- Financial loss from fraud, chargebacks, and stolen assets
- Operational disruption as security and customer support teams manage lockouts and resets
- Regulatory exposure under privacy and data protection laws such as GDPR, CCPA, and PCI DSS
- Legal costs and compensation claims from affected customers or partners
- Reputational damage leading to customer attrition and reduced trust
Regulators increasingly view inadequate protection of user credentials as a preventable failure. In industries such as financial services, retail, and telecom, where digital identity underpins customer engagement, the stakes are exceptionally high.
The AI Advantage for Attackers
Artificial intelligence is amplifying both the scale and sophistication of ATO campaigns. Where brute force once relied purely on volume, AI brings adaptive learning and behavioural mimicry.
Modern credential stuffing bots now simulate human navigation, introduce artificial pauses, and mirror typing patterns to bypass rate limits and behavioural detection systems. Machine learning
models trained on breached data can predict likely password sequences based on language, demographics, and prior password resets.
This capability turns traditional defences into speed bumps rather than barriers. The result is faster, more evasive attacks that require intelligent, context aware countermeasures.
The Expanding API Attack Surface
As organizations modernize applications, APIs have become both essential and exposed. They connect services, mobile clients, and third-party integrations, and they now represent a primary conduit for identity and data access.
According to Imperva telemetry, around 12 percent of all API attacks in 2024 were Account Takeovers. Many of these attacks are low volume and high value, designed to evade detection. Attackers harvest sensitive information in small increments such as user identifiers, loyalty balances, and payment tokens, and use that data later for large scale fraud or identity theft.
During the holiday shopping season, attackers take advantage of the fact that retail systems are under more pressure and handling far more automated traffic than usual. Bots are designed to blend seamlessly into this activity. They mimic real customers using legitimate browsers, realistic headers, and correctly formatted API calls, which makes them difficult to distinguish from genuine shoppers.
Instead of triggering obvious high-volume spikes, attackers quietly test stolen credentials across login APIs, probe authentication flows, and map out which accounts are valid. They reuse tokens, exploit weak session handling, and launch credential stuffing campaigns at a pace that fits naturally within peak season traffic. Because the requests look structurally correct, they often bypass volumetric detection and slip past basic rate limits.
Once inside an account, automated scripts extract loyalty balances, change delivery addresses, modify stored payment methods, or pivot through single sign on to gain access to additional services. For many retailers, these subtle API driven attacks are now the fastest growing source of credential-based compromise, and they reach their highest risk in November and December.
Thales recommends:
1. Improve visibility across login traffic this holiday season
During peak shopping periods, login volumes surge and attackers use the noise to hide. Monitor login attempts, unusual session behaviour, device changes, and repeated failures so you can spot suspicious activity early.
2. Strengthen authentication without slowing real customers
Shoppers expect fast checkout experiences, especially during sales events. Use smarter authentication controls that react to risk signals such as new devices or sudden spikes in login attempts, while keeping the journey seamless for genuine users.
3. Protect high value pages such as login and checkout
These are the most heavily targeted points during the holiday rush. Account Takeover attacks often begin on the login page and escalate at checkout. Ensure these flows have the strongest monitoring and protection in place to detect unusual behaviour before accounts are compromised.
4. Secure all APIs involved in customer accounts and orders
Retailers rely on APIs for login, checkout, loyalty, order history, and account management. These endpoints see huge traffic increases in November and December, making them prime targets for automated abuse. Apply full visibility and security controls across them.
5. Deploy Advanced Bot Protection to stop automated ATO attempts
Bots spike dramatically during holiday promotions. Advanced bot protection identifies and blocks automated credential testing, scripted login attempts, and account probing in real time without adding friction for real shoppers. This is critical for preventing ATO during your busiest weeks.
Visit Imperva.com Account Takeover Protection.
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