| With the significant rise in credit and debit card fraud | | | | you suffer too many chargebacks and once this |
| particularly online, merchants and consumers need to | | | | happens you will find yourself on a blacklist. This will |
| find additional ways to protect themselves from these | | | | make it very difficult to process credit or debit card |
| thieves. Consumers need to register with the fraud | | | | transactions online which will affect your business. So |
| prevention protection that their card provider offers. | | | | how do you reduce chargebacks and fraudulent |
| Under this type of cover, you will be asked for a | | | | transactions? Always verify the customers address |
| password as an additional safeguard when purchasing | | | | and collect the CVC2 number from the back of the |
| something online. This password is not printed on the | | | | card. If you do this all the time, you could reduce your |
| card so if someone steals your debit or credit card, | | | | risk by other a quarter. |
| they will be unable to use it online. | | | | You need to decide whether you want to risk doing |
| Another way to protect yourself is to check all your | | | | business in all Worldwide countries or only those with a |
| statements and reconcile them. This is not the most | | | | trustworthy banking system. Generally speaking, a lot |
| exciting job in the world but it will help you to manage | | | | of scams originate in certain African countries and |
| your money and give you some protection against | | | | those of the developing world. Russia also presents a |
| someone accessing your account on a regular basis. | | | | problem due to the high level of corruption it is currently |
| Report any suspicious activity to your bank as soon | | | | trying to combat. Yes you may lose customers by |
| as possible. | | | | blocking transactions from certain countries but given |
| But if you are a merchant how do you protect | | | | the potential risk to your business and merchant |
| yourself against credit or debit card fraud in particular | | | | account, this may be a loss you have to accept. |
| chargebacks. You can lose your merchant account if | | | | |