Should a shop book the website audit or a penetration test?+
The website security audit checks the storefront control by control (TLS, headers, every script on the payment page, CMS and plugin versions, forms and hosting) with evidence for each result. A penetration test attacks the shop: account takeover, cart and refund logic, and the path from a plugin flaw to a skimmer. Shops that take card payments on their own pages often need both, and the audit is the faster place to start.
Our payment form is hosted by our payment provider. Can we still be skimmed?+
Yes. A script injected into your own page can replace the provider's form with a fake one, overlay it or send the customer elsewhere before they reach it. The audit checks how the form is embedded, what else runs on that page and whether a change to it would be noticed.
Can you test during peak trading?+
You can, but it is rarely worth the risk. Testing windows are agreed in the rules of engagement, and for retailers that usually means avoiding sale periods and running anything load-sensitive against staging. If a release before peak is the reason for the test, book the scoping call early so the work finishes before your change freeze.