Protecting merchants for fraudulent activities through PSPs


Protecting merchants for fraudulent activities through PSPs

David Lambert, Commercial Director at Transact365, speaks about how the company leverages technology to ensure transactions are completed securely

Preventing Fraud for Onmichannel Merchants

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Omnichannel merchants refer to those that take the approach of marketing and selling across multiple platforms. While this allows merchants to engage their customers in many different ways, it also presents multiple opportunities for fraudsters to target merchants. Merchants who aren’t able to monitor and protect all of their channels effectively may find themselves open to fraud at multiple weak points.

There are many different types of fraud that come through the omnichannel. Some of these include card testing fraud, cross-channel fraud, mobile fraud, and return fraud. Card testing fraud occurs when fraudsters seek to find out if payment credentials are usable by making small, easily-overlooked purchases. These other versions of fraud found on the omnichannel are also risky for merchants to find themselves targeted by.

Merchants should protect themselves against fraud, especially when there are multiple platforms involved like on the omnichannel. Some ways that merchants can prevent being targeted by fraudsters include using anti-fraud tools, multi-factor authentication, and cross-channel tracking. These will all help weed out fraudsters and protect vulnerable access points in your business.

Shielding your business against fraud is important for multiple reasons. First, it causes revenue loss for the merchant because of chargebacks. Chargebacks due to true fraud cannot be fought, so it’s best to try to prevent them from happening in the first place. When a merchant experiences a high volume of fraudulent transactions and chargebacks, they may be labeled as a high-risk merchant, which comes with high fees.

Merchants looking to develop a fraud prevention program specifically tailored to their needs and vulnerabilities can look into using a fraud and chargeback management company like Chargeback Gurus to help shield their business against fraud and chargebacks as well as fight the illegitimate chargebacks to regain lost revenue.

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©Chargeback Gurus 2021
Production: Emily Woodward
Narration: Phil Claffey

No more chargebacks: prevent fraudulent activities with Zumigo

Uh oh, Sam just got charged for something he didn’t pay for. His next step is to initiate a fraud and chargeback complaint – which will cost the merchant time and money. Watch how the merchant can use Zumigo deRiskify to prevent fraud from happening in the first place.

HOW TO WIN CHARGEBACKS | Protect Your Business Against Fraud and Scammers

In this video I will be discussing what chargebacks are and reasons why a customer would request a chargeback. I will be talking about different ways you can protect your yourself against fraud and scammers.

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Beware of This Credit Card Chargeback Scam Used Against Merchants!


Beware of This Credit Card Chargeback Scam Used Against Merchants!
Are you a small business owner who accepts credit card payments? Then you need to be aware of a new credit card chargeback scam that’s being used against merchants. In this video, we’ll discuss what the scam is, how it works, and most importantly, how you can protect yourself and your business.

The scam involves small, repeated purchases from a fraudster over a period of time. Once a certain amount has been spent, the scammer initiates a chargeback, claiming that their credit card was stolen and the purchases were fraudulent. Because the purchases were made over time, the merchant is unable to provide evidence that they’re legitimate, and the scammer gets a full refund.

Don’t let this scam catch you off-guard. There are steps you can take to protect your business, such as being vigilant for suspicious patterns, keeping detailed records, and considering chargeback protection services. Stay informed and be prepared to fight back against scammers who try to take advantage of you.

credit card, chargeback, scam, merchant, fraud, small business, protection, vigilant, evidence, refunds

#creditcardfraud #chargebackscam #smallbusinessprotection

In this video, we’ll talk about a credit card chargeback scam that’s being used against merchants. Chargeback fraud is common, and many merchants fall victim to it every year. But this new scam is particularly nefarious, and if you’re a business owner, you need to be aware of it.

First, let’s define what a chargeback is. When a customer disputes a charge on their credit card statement, the credit card issuer can reverse the transaction and investigate the claim. If the merchant is unable to provide evidence that the charge is legitimate, the customer gets their money refunded and the merchant is out of pocket. While chargebacks are meant to protect consumers, they can also be abused by fraudsters.

The new scam involves fraudsters making small, repeated purchases from a merchant. These purchases don’t raise any red flags, so the merchant doesn’t suspect anything. However, once a certain amount has been spent, the fraudster initiates a chargeback, claiming that their card was stolen and the purchases were fraudulent. Because the purchases were made over a period of time, the merchant can’t provide evidence that they’re legitimate. The fraudster gets their money refunded, and the merchant is left with a chargeback fee and lost revenue.

So, what can you do to protect yourself? First, be vigilant for small, repeated purchases from the same customer or address. If you notice this pattern, flag it and investigate. Second, keep detailed records of all purchases and customer interactions. If you do end up facing a chargeback, having robust evidence can help you fight the claim. Finally, consider using a payment processor that offers chargeback protection. These services can help you dispute fraudulent chargebacks and recover lost revenue.

In conclusion, chargeback fraud is a serious issue for merchants, and this new scam is an added threat. However, with vigilance and preparation, you can protect yourself and your business from falling victim. Stay informed, stay alert, and don’t let scammers take advantage of you.