{"id":2807,"date":"2026-04-07T11:23:14","date_gmt":"2026-04-07T14:23:14","guid":{"rendered":"https:\/\/hackerrangers.com\/?p=2807"},"modified":"2026-04-07T11:23:14","modified_gmt":"2026-04-07T14:23:14","slug":"fraude-como-servico-o-novo-negocio-lucrativo-dos-cibercriminosos","status":"publish","type":"post","link":"https:\/\/tmp-hackerrangers.siteup.dev\/pt\/cybersecurity\/fraude-como-servico-o-novo-negocio-lucrativo-dos-cibercriminosos\/","title":{"rendered":"Fraude-como-servi\u00e7o: o novo neg\u00f3cio lucrativo dos cibercriminosos"},"content":{"rendered":"

Voc\u00ea certamente j\u00e1 se acostumou com o termo ransomware-como-servi\u00e7o ou ransomware<\/a>-as-a-service (RaaS). Ao longo dos \u00faltimos anos, criminosos cibern\u00e9ticos de elite se organizaram em grupos t\u00e3o bem estruturados quanto empresas convencionais e passaram a \u201clicenciar\u201d seus malwares para quem deseja efetuar um sequestro de dados.<\/span><\/p>\n

Em resumo, \u00e9 bem simples: um indiv\u00edduo sem experi\u00eancia alguma em ransomware \u201caluga\u201d um kit pronto, lan\u00e7a o ataque contra o alvo de sua prefer\u00eancia e divide os lucros com quem codificou o software maligno. Os grupos de ransomware-como-servi\u00e7o s\u00e3o t\u00e3o sistematizados que v\u00e1rios deles possuem at\u00e9 uma esp\u00e9cie de \u201cdepartamento de recursos humanos\u201d para avaliar a entrada de novos membros, al\u00e9m de um time de desenvolvedores engajados em garantir que a codifica\u00e7\u00e3o funcionar\u00e1 em praticamente qualquer cen\u00e1rio.<\/span><\/p>\n

Sim, o mundo do cibercrime n\u00e3o para de se reinventar, e a moda da vez \u00e9 a fraude-como-servi\u00e7o ou fraud-as-a-service (FaaS). Esse \u00e9 um conceito similar ao do RaaS, mas para fraudes diversas. \u00c9 poss\u00edvel fazer uma compra indevida, roubar credenciais e assim por diante ao simplesmente pagar uma fra\u00e7\u00e3o do valor real da \u201copera\u00e7\u00e3o\u201d aos cibercriminosos.<\/span><\/p>\n

Aten\u00e7\u00e3o, lojas de e-commerce!<\/b><\/h2>\n

Embora o FaaS n\u00e3o seja novidade, n\u00e3o \u00e9 de se espantar que a sua popularidade esteja em ascens\u00e3o. Algumas das principais v\u00edtimas desse tipo de fraude s\u00e3o as lojas de com\u00e9rcio eletr\u00f4nico; afinal, s\u00f3 no Brasil, a pandemia do coronav\u00edrus fez com que o chamado e-commerce crescesse 75% durante um \u00fanico ano! In\u00fameras pessoas perderam o medo de comprar online, tornando as plataformas virtuais um prato cheio para quem quer roubar dados pessoais e financeiros.<\/span><\/p>\n

Os golpes s\u00e3o in\u00fameros e podem ir desde compras com cart\u00f5es de cr\u00e9dito roubados a invas\u00e3o de contas de clientes, pedidos de reembolso fraudulentos, entre outros. O aumento no n\u00famero de fraudes \u00e9 extremamente danoso para os comerciantes, visto que cada transa\u00e7\u00e3o fraudulenta pode chegar a custar tr\u00eas vezes mais o valor do item comprado de forma maliciosa.\u00a0<\/span><\/p>\n

Por exemplo, ao receber o famoso chargeback (estorno), o e-commerce fica sem o item, sem o pagamento e ainda precisa lidar com taxas e custos operacionais para contestar a compra junto \u00e0 institui\u00e7\u00e3o banc\u00e1ria e\/ou \u00e0 emissora do cart\u00e3o de cr\u00e9dito.<\/span><\/p>\n

Como se proteger<\/b><\/h2>\n

Felizmente, o mercado j\u00e1 est\u00e1 reagindo e a prateleira de solu\u00e7\u00f5es antifraude s\u00f3 cresce. Tudo depende do comerciante implement\u00e1-las e us\u00e1-las da forma mais apropriada poss\u00edvel. Entre as dicas cruciais para reduzir o n\u00famero de fraudes, podemos citar:<\/span><\/p>\n

    \n
  • Requisitar aos consumidores que adotem senhas mais fortes e dif\u00edceis de quebrar com for\u00e7a bruta.<\/span><\/li>\n
  • Usar ferramentas automatizadas de antifraude, que bloqueiam transa\u00e7\u00f5es suspeitas com base em an\u00e1lises comportamentais.<\/span><\/li>\n
  • Manter todo o seu stack tecnol\u00f3gico (site, plug-ins, gateway de pagamento...) sempre atualizado.<\/span><\/li>\n
  • Usar solu\u00e7\u00f5es de monitoramento da dark web em busca de vazamentos de dados e planejamentos de ataques direcionados \u00e0 sua loja.<\/span><\/li>\n<\/ul>\n

    Os usu\u00e1rios, \u00e9 claro, tamb\u00e9m precisam se manter atentos, mantendo bons h\u00e1bitos de higiene cibern\u00e9tica, frequentando apenas e-commerces de confian\u00e7a e monitorando quaisquer transa\u00e7\u00f5es suspeitas em suas contas banc\u00e1rias. Afinal, ao atingir as plataformas virtuais, n\u00e3o apenas os comerciantes saem prejudicados, mas tamb\u00e9m os clientes.<\/span><\/p>\n

    Quando o assunto \u00e9 fraude-como-servi\u00e7o, estamos falando de uma via de m\u00e3o dupla na qual ambos os lados da rela\u00e7\u00e3o comercial precisam tomar cuidado com os perigos iminentes.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

    You\u2019re probably already used to hearing the term ransomware-as-a-service (RaaS). In recent years, elite cybercriminals have come together in groups as well-structured as conventional companies and have begun to \u201clicense\u201d their malware among those looking to steal data. In short, it\u2019s really simple: someone with zero experience in ransomware can \u201clease\u201d a ready-made kit, launch […]<\/p>\n","protected":false},"author":4009,"featured_media":2808,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[23],"tags":[66,90,64,199,71,198],"class_list":["post-2807","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cybersecurity","tag-awareness","tag-cybercrime","tag-cybersecurity","tag-faas","tag-fraud","tag-fraud-as-a-service"],"yoast_head":"\nFraud-as-a-service: the latest lucrative business in cybercrime | Hacker Rangers<\/title>\n<meta name=\"description\" content=\"Understand fraud-as-a-service (FaaS), how it targets online stores, and key steps businesses and users can take to prevent costly cyber fraud.\" \/>\n<meta name=\"robots\" content=\"index, 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