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Online credit card fraud protectionCredit card fraud for online purchases seems to be increasing both in scale and dollar amounts day by day. While this problem may seem to be out of control basic steps can be taken by both consumers and merchants to stem the flow. The article below contains information that is intended for merchants who process transactions over the web.
Having worked with companies using shopping carts and online payment systems, I have learned that protecting consumers and businesses is relatively simple. The scope of protection extends beyond the payment system and directly into the hands of merchants that receive payments online.
Unfortunately, credit card fraud exists to the degree that it does primarily because merchants, whether brick and mortar, or on the internet, do not take the necessary precautions to verify the authenticity of the purchasers.
Verify online purchases by contacting the person who created it.
Make sure that personal data sent to and from your website is sent over an encrypted connection (HTTPS).
Track and check the country of origin of the purchase against the credit card data.
Report suspicious credit card transactions.
Don't store customer financial data in your website database.
Ensuring your purchases are legitimate helps to reduce the incidence of credit card fraud and conveys to your customer that you care about them and not just their money.