Archive for the Fraud Category

Preventing Fraud in Card Not Present Transactions

Whenever a customer pays over the phone with their credit card number, via an online payment gateway, or requires their credit card data to be entered manually into a terminal, this is considered a “card not present” transaction. In these transactions, a physical card is not used to enter a customer’s account data into your point of sale payment terminal via a chip or mag stripe. Such transactions rely solely on the account numbers printed on the credit card. Read more

Protecting Against Chip Card Fraud


Recently introduced, EMV or chip and PIN cards are intended to be a solution to the prevalent problem of credit and debit card fraud. These chip cards use EMV technology, named after Europay/MasterCard/Visa, the three companies that outlined the standards for these new cards. The advantage? Each time that the chip card is activated during a transaction, a new unique code is created to confirm the purchase and transmit the cardholder’s information to the retailer. This is a huge difference from swipe credit and debit cards, which use the exact same transaction code each and every time they are used. When the same code is used each time, it’s much easier for criminals to skim the code and use it in future fraudulent purchases. Read more



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