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This guide is based on the first edition of Fraud Risk Management: A Guide to Good Practice. The first .. Despite the serious risk that fraud presents to business.
Table of contents

Types of online transaction fraud

Please be aware, some content may not be available in all languages. Fraud is a serious problem that airlines, hotels and travel agencies must address. With Amadeus Fraud Management, you can do just that. Detect and stop fraud more efficiently, grow your business and control cost. Detect fraudulent transactions with increased precision, preventing attempted fraud across all channels.

As a result, you'll experience fewer transactions sent for manual review, improving staff efficiency. Reduce false positives while increasing sales conversion, allowing you to build a reputation of reliability.

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Expand your business with confidence, effectively defending against fraud - even in higher risk markets. Reduce the cost of managing fraudulent behavior, without compromising your detection capabilities. By screening before payment authentication takes place, you reduce the impact and cost of fraudulent behavior. Minimize the need for manual input by automatically cancelling fraudulent tickets and storing fraud results within the PNR. Reduce the cost of managing transactions that fail to be processed due to a lack of information.

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Health Care Fraud and Abuse Compliance Manual

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Card-not-present fraud

Benefits and features. Reduce fraud and minimize losses Detect fraudulent transactions with increased precision, preventing attempted fraud across all channels. You should always act on this prompt and make the call. Even with a valid authorisation, transactions can occasionally be disputed by the cardholder or the card issuer. Chargebacks can be received for many reasons and each one has specific time-limits, rules and requirements that are set by Mastercard and Visa and influence the action we are able to take.

The introduction of Chip and PIN gives comfort that the person entering the PIN should be the authorised cardholder and therefore limits your liability should the transaction be disputed. For mail and telephone order transactions, where the card and cardholder are not present, you are unable to take advantage of inbuilt security within the card, for example, chip or magnetic strip. You will be liable for the transaction if it is disputed by the authorised cardholder.

Refunds should always be made back to the card used for the original purchase, therefore a refund should generally be equal to or less than the purchase transaction it relates to. Firstly, satisfy yourself that the refunds can not be matched to a corresponding purchase. If after conducting an internal investigation, you identify a member of staff responsible, seek an explanation as there could be a legitimate reason.

If after speaking with your employee you feel the matter merits Police involvement, or you are unable to identify the individual responsible but feel a fraud has been committed, you should consider reporting this to your local Police office. If you require further assistance, email us at Fraudrisk worldpay.

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Do not proceed with the transaction or send out goods. Make a code 10 call to our authorisation centre, telephone , take the second option, speak to an operator and mention you are making a code 10 call. A 'Code 10' call is an additional security check that is available, should you become suspicious about a transaction. This can be done at anytime, even if the transaction has been processed through the terminal and has been authorised. Restricting access to this will reduce the likelihood of misuse. Unauthorised or fraudulent refunds will incur a financial loss to your business.

No, this is known as a split transaction and against Mastercard and Visa card scheme rules.

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You should not allow two separate amounts on one card or two or more different cards to be used for one transaction. The general rule is one transaction, one payment. Yes, but only in exceptional circumstances where the card and cardholder are present. Where the transaction is authorised you are then required to take a back up imprint using your manual imprinter.

If you are handed a Chip card and your terminal indicates that neither the Chip nor magnetic stripe can be read, we recommend you ask for another method of payment and give the card back to the customer. This will help you evaluate the risk of fraud.

Detect Fraud

The prompts are there to guide you and ensure you process transactions correctly. Following these prompts will help protect your business by minimising the risk of losses caused by fraud and reduce the likelihood of mistakes.

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Yes, although cards can be produced with various designs, there are industry standard security features that are present and can be checked. If you are handed the card and have the opportunity to check the security features we recommend you do so and provided they are correct then you can accept the card for payment. Card Not Present CNP transactions are considered high risk because you have no opportunity to physically check the card or meet the cardholder. Whilst the majority of transactions will be genuine this type of transaction is appealing to fraudsters whose main interest is obtaining goods that can be easily re-sold for cash.

You should take extra care and consider the risks before you process CNP transactions because you will be financially liable if a transaction is confirmed as invalid or fraudulent.

Be cautious of requests to pick up goods. All goods ordered by mail, telephone or internet should be delivered to the address given. If the customer later does insist on collecting the goods, they should produce the card. This information applies to all transactions. Be wary of last minute changes to the delivery address and requests to send goods to hotels, guest houses or PO boxes as these are at higher risk of being associated with fraud. There is an increased risk to your business if the transaction is later confirmed as fraud as you may be held financially liable.

For eCommerce transactions — if you have implemented Mastercard Secure Code and Verified by Visa known as cardholder authentication provided that the process is carried out correctly, your business will be protected against fraud related chargebacks ie where the cardholder denies taking part. You can still receive chargebacks for other reasons for example, duplicate processing, goods not received and no authorisation. This data is matched against details the card-issuer holds in his database for the card. If the transaction is authorised you will receive a response at the bottom of your till receipt advising how much of the data matched, this will help you evaluate the potential risk of fraud and decide whether to continue with the transaction.

Guide to preventing payment fraud | Barclaycard Business

It is important to understand that these checks are an additional security measure, and can help you make an informed decision, they do not guarantee payment. Provided that the transaction is authorised you will receive a response at the bottom of your till receipt advising how much of the customer data matched against information held by the card issuer. It is important to always check the results as this will help you evaluate the potential risk of fraud and decide whether to continue with the transaction.

It is your decision based on the results of these checks to accept or decline the transaction. Be aware that a transaction can still be authorised, even if the AVS details do not match. The authorisation request is separate to the AVS check. You should always check the results, which will appear on the bottom of your till receipt. We pass the information entered to the card issuer for comparison with their records.

The results of the comparison are then passed back to you.