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Card Not Present transactions (CNP) - Be cautious of request to pick the goods up
A number of merchants have been targeted by fraudsters making bulk orders for products and requesting prompt collection of the goods. These telephone orders have been for larger quantities and at higher value than you would expect to take. Several cards may be used for payment with requests for delivery to various addresses. Shortly after the goods have been ordered, a courier arrives at the shop to pick up the goods – but after the goods are taken, it transpires that the cards used for payment are stolen.
We recommend you do not release goods to a 3rd party in such circumstances as there is an increased risk to your business and you may be financially liable if a transaction is later confirmed as fraudulent.
To help protect your CNP business be wary of any of the following:
• Orders substantially above the value of your ‘usual’ transaction amount
• One customer with orders to multiple delivery addresses
• Several declines and attempts using different cards
• Request for goods to be picked up or released to a courier or 3rd Party
Where the customer insists on collecting the goods they must produce the card used in the original transaction. The original CNP transaction should be cancelled and a new card present transaction processed.
For further information on card not present transactions and reducing the potential for fraudulent sales please visit the Merchant Operating Instuctions.
Fraud is a subject we take very seriously. We aim to advise you of any scams as quickly as possible. We have produced a summary of current fraud scams to keep you one step ahead of the fraudsters. These are relevant to face to face, over the phone and online retailers. View our latest fraud scam training guide for more information.
Action Fraud is a website that allows you to report fraud. If you have suffered fraud and have been unable to get you money back i.e. denied re-imbursement, you can report it to Action Fraud by using their online reporting service or by calling 0300 123 2040 and speaking to one of their specialist fraud advisors.
All fraud crime cases and information on fraud are referred to the National Fraud Intelligence Bureau which is run by the Police service. Visit Action Fraud’s website to find out more about reporting fraud.
When you report the fraud you will be given a Crime Reference Number (CRN) and the information supplied will be referred to the Police force that investigates fraud. Once you have received the CRN, you will have the ability to update the report with any additional information.
In some cases the police may want to contact you for further details therefore it is important to keep any relevant information about the fraud.
There are also some useful quick reference guides available to help protect your business against fraud, these include advice about e-crime, card not present fraud and insider fraud. Visit http://www.actionfraud.org.uk/resources-information-for-businesses
If you accept face to face payments - Initiatives such as Chip and PIN can help your business to minimise the risk of fraud. The following sections in your Merchant Operating Instructions (MOI) provide you with useful tips to identify and reduce the risk of card fraud.
- Card recognition guide
If you accept payments online - Visit Worldpay.com to find out how you can better reduce your exposure to fraud when trading on the internet. Click here for more information
