User guide

21
Fraud prevention for merchants.
Listed are some tips to help minimise the risk of your business being affected by fraud.
Remember that the best course of action is awareness and prevention.
• Checkthenameonthecardtsthecustomer(i.e.amaleisnotusingafemale’s
card).
• ConrmthecardnumbermatchestheabbreviatednumberprintedonanEFTPOS
receipt.
• Keepthecarduntilyoucheckthesignature.
• Bewaryofunusualshoppingbehaviourandmultipledeclines.
• Don’tsplitatransactionovermultiplecards.
• Whenthecardispresent,swipethecardortakeamanualimprint–neverhand
key the card number.
• Checkthehologramsandvaliditydates.
• Don’tprocesstransactionsonunsignedcardsorcardswith“SeeID”inthe
signature panel.
• Besuspiciousoflargeorunusualphoneorinternetorders,especiallyfrom
overseas.
• Ifthegoodsarepaidforoverthephone,whenthegoodsarecollectedaskforthe
card and take an imprint.
• Especiallyforphoneandinternetorders,delivergoodstoapersoninabuilding
and ask for ID.
• Forinternet,phoneormailorders,conrmyourcustomeristhegenuine
cardholder. Your business will be liable for losses in a dispute situation.
• Ifyouhaveanyreservationsorconcernsinregardstoatransaction,please
contact Merchant Services on 1300 132 741 prior to processing.
• Authorisationisnotproofofidentityorguaranteeofpayment.Itsimplyconrms
funds are available and the card hasn’t been reported lost or stolen.
• Neverprocesstransactionsforsomeoneelse.Youwillbeliableinadispute
situation.
• Neverfulllrequestsforgoodsthatyoudon’tnormallytradeinorsell.
• Keepyourterminalsecureatalltimesandminimisethenumberofpeoplewho
know your refund password.
• Protectyourcustomer’sPIN–neverpointcamerasatterminals.