Security Tips
As a merchant you can minimise the risk of chargebacks as a result of fraudulent activities. Here are some valuable tips:
General information
- Check the signature: Only give the card back to the card holder once you have compared the signatures from your terminal slip with the signature on the card.
- Check the signature field: If the surface of the signature field is damaged the card will say “Void” underneath the surface. That card is not valid. Please stop the card payment process.
- Compare the embossment data on a credit card with the data from your terminal slip: Do the cardholder’s name, credit card number and expiry date match?
- Don’t forget the UV test: Are the typical holograms visible on the credit card, and does your UV device detect the data?
Card not present card transactions (e-commerce/mail-order)
- Watch for unusual or illogical orders, as well as unusual payment amounts.
- Be careful when a customer asks to divide payment across several credit cards or when several card numbers are associated with a single name.
- Be careful if a customer indicates upfront that there might be a problem with the credit card.
- Be careful if ordering party insists on shipment as fast as possible, regardless of cost, or if the customer insists on obtaining tracking ID for the delivery carrier.
Card present transaction
- Check for authenticity of cards.
