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Data licensing
Where card skimmers are actually found, for insurers and fraud teams.
SkimGuard records every card reader check: what was found, where and when. Insurers, card issuers, payment networks and researchers license that data to see where skimmers are turning up, alongside the claims and dispute data they already have.
Agreed under NDA · Daily files or live lookups · We reply within 2 business days
For insurers
A clearer view of skimming risk.
Card skimming losses show up in claims long after the skimmer went in. SkimGuard data shows where skimmers have actually been found, and which locations check their readers.
Underwriting
See whether skimmers have been found at or near a merchant, fuel retailer or ATM operator you're assessing.
Claims review
Compare a location's alert history with the dates on a card fraud claim.
Risk by area
Compare skimmer activity by state and metro area over time.
Helping policyholders
Point the businesses you cover to a simple daily check they can run on their own readers, at skimguard.io/for-business.
What the data is
Checks at the reader, not guesses from transactions.
Each time someone checks a card reader with SkimGuard, the result, place, time and confidence are recorded. Checks come from shoppers using the free app and from businesses checking their own readers with the phones and handhelds they already have. They come from anywhere people pay: gas stations and ATMs, and also bars, restaurants, stadiums and festivals, which transaction data often misses.
Recorded at the reader
Records come from actual checks at the card reader, not estimates built from transaction records.
Mapped
Every record is tied to a small map area and a stable SkimGuard location ID, separate from other companies' place IDs.
Confirmed
Business checks are confirmed to be at the location before they're added.
What's in each record
| Field | What it is |
|---|---|
| Location ID | A stable SkimGuard ID, separate from other companies' place IDs |
| Geohash | A small map area, about 10 m across |
| Location type | Fuel, ATM, grocery, retail checkout, or other |
| Safety tier | Verified, Aging, Stale, Alert or New |
| Result | Safe, Warn or Alert, with a confidence score |
| Last check time | When it was last checked (UTC), used to judge freshness |
| Alert time | When an alert was first recorded |
| Check source | Shopper phone (anonymous), business phone or handheld, or business computer |
| Signal type | Bluetooth Low Energy, Bluetooth Classic, or other |
| State and metro area | For totals by region |
Which fields you get, and how detailed they are, depends on the license. The full layout is shared with qualified licensees under NDA.
What you can license
Daily files, live lookups, or both.
Daily risk file
Skimmer risk by location and region, delivered every day as CSV, Parquet or JSON.
Live location lookups
Ask for the risk at any location, as you need it, from your own systems.
Checked locations list
Locations that use SkimGuard and how recently each one checked, updated nightly.
Weekly threat report
A short weekly summary of new skimmer patterns and the areas seeing the most activity.
Custom research
A study built around your question, such as a region, a time period or a kind of location.
Your own portal
Every licensee gets a sign-in at data.skimguard.io for downloads, API keys and usage.
Every license is agreed directly and priced by the area covered, the files or lookups you need, and how you'll use them. Every license includes a data-use agreement, an NDA and a clear list of permitted uses.
How access works
Three simple steps.
Tell us what you need
Use the form below or email us: the area, daily files or live lookups, and what you'll use the data for.
Agree the terms
We send a short proposal. You sign the data-use agreement online in the licensee portal.
Get your data
Sign in at data.skimguard.io to download files, create API keys and see your usage. Pay by card in the portal, or by invoice.
Get in touch
Interested in licensing the data?
Tell us about your organization, what you'd use it for, and the area you need. Every inquiry is confidential, and we reply within 2 business days.
Already a licensee? Sign in at data.skimguard.io.