How can I help prevent fraudulent transactions?

The actions you can take to help prevent fraudulent transactions depend on whether you sell goods online or sell goods in-store.

Selling goods online

• Use AVS or 3-D Secure to verify a cardholder’s identity during online transactions.
• If AVS or 3-D Secure can’t verify a cardholder’s identity, the card may be stolen or fraudulent.
• Use a fraud screening tool to help you detect potentially fraudulent transactions. For more information about fraud screening tools, see What are fraud screening tools?

Selling goods in-store

• Use EMV terminals, which can prompt for either a PIN or signature. You can compare the cardholder’s signature with the signature on the back of the card.
• If the PIN or signature don’t match, the EMV terminal cancels the transaction as the card may be stolen or fraudulent.
• Train your staff to identify suspicious activity including the following:
• A cardholder trying to distract an employee or rush a transaction
• A transaction with an unusually high dollar value
• A cardholder that can’t verify their identity

Tags: online, avs, fraud, 3-d secure, in-store