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Business / Merchant fraud protection tips / Understand high- and low-risk transactions

Examples of Higher Risk Transaction Processing
(not limited to)

    • First time customers
    • International customers
    • Card not present transactions – Mail order/Telephone order, Internet, IVR authorisation and settlement
    • Manually keyed transactions
    • Manual transactions without an authorisation
    • Any transaction that a customer keys into the terminal
    • The types of products and services you offer can also increase your risk because fraudsters will often target high value goods with easy resale potential. Examples of these goods include electronics, furniture, jewellery and luxury make up etc

Examples of Lower Risk Transaction Processing

Protect your business

  • Card Not Present/Online or Over-The-Phone fraud

    To find out how you can protect your business against Card Not Present fraud, visit Online and phone transactions.

  • Card Present/In-Store fraud

    To find out how you can protect your business against Card Present/In-Store fraud, visit In-Store Transactions.

Fraud in practice: A real-life example

  • Kate visits her local jeweller to purchase a necklace. Kate chooses her necklace and then heads to the counter to complete her purchase. Unfortunately Kate does not have her card with her but convinces the teller to manually enter the card details into the terminal. Kate uses her mobile phone to reference card details. The transaction is completed successfully and she leaves the store with the necklace.

    A couple of weeks later the store receives a chargeback for the purchase as the card details Kate had provided were stolen. The store is debited for the value of the purchase and is also liable for a chargeback fee. Unfortunately the store has no way to recover the necklace.