| PSBill provides the highest level of encryption | | | | As a PSBill merchant, you have been given access |
| available in the industry. But no amount of | | | | to view all your transactions in the backoffice |
| encryption or security can prevent fraud if the | | | | area. If you detect multiple failed attempts from |
| fraudster has managed to get hold of card | | | | the same person followed by an authorisation, this |
| numbers and other details from credit cards that | | | | could signal fraud. With the backoffice, you have |
| haven't been reported as stolen. Unfortunately, as | | | | the ability to suspend settlement of such |
| credit and banking laws stand, it is you, the | | | | transactions using settlement control. |
| merchant, who must bear the financial cost of | | | | IP blocking |
| any fraudulent transactions. However, if you are | | | | PSBill also offers the ability to block certain IP |
| fully aware of the risk of fraud when trading on | | | | addresses from your payment facility. |
| the Internet, you stand a better chance of | | | | Unfortunately, this is not infallible. Some persistent |
| avoiding its consequences. | | | | fraudsters will merely sign in using another ISP. In |
| Based on the experience we have gained after | | | | these instances, we cannot prevent internet |
| many years in the business of online | | | | access to these people because it becomes |
| authorisations, we would recommend you take | | | | impossible to detect a repeat attempt when a |
| the steps listed on this page to help you to | | | | different ISP is used. |
| reduce the risk of fraud. Please note that these | | | | Address checks |
| steps and suggestions are only a guideline, and | | | | Address verification (AVS) will do this for you |
| that this is not the definitive list of precautions | | | | automatically on most cards issued in the USA |
| you can take. Fraudsters are finding new ways of | | | | and UK. If AVS won't work on a particular card, |
| committing their crimes all the time, and there is | | | | or you are not using AVS for some reason, then |
| no absolute solution to prevent online card fraud. | | | | you may be able to call your acquiring bank and |
| Address verification and card security codes | | | | ask for a "Code 10 check" to verify the |
| Online address verification (AVS) and card | | | | cardholder address, although this kind of check is |
| security code checking (CVV2, CVC2) are now | | | | not available on all card types. |
| available through all the banks with whom PSBill is | | | | Deferred settlement |
| integrated. These services are free of charge, | | | | If you sell high value goods, then it would be |
| and we recommend that all our merchants use | | | | prudent to defer automatic settlement until you |
| them. You will need to add extra fields to your | | | | have had a chance to vet the order. |
| customised forms in order to use these features; | | | | Confirmed delivery |
| full instructions are in the Address Verification | | | | Signature upon delivery is NOT acceptable proof |
| (AVS) and Security Code Guide, which you can | | | | to the banks in the event of a dispute. However, |
| download from the technical documents page. | | | | if you do operate this policy, make sure that you |
| For more information about address verification | | | | always use a reliable delivery agent. Should you |
| and card security codes, see our fraud control | | | | subsequently wish to raise a suspected fraud |
| page. | | | | case with the police, such information would be |
| Free email addresses | | | | vital in attempting to establish whether fraud has |
| Be wary of transactions that originate from free | | | | taken place. |
| email accounts (such as Hotmail or Yahoo!). Free | | | | Look like you mean business |
| email accounts are easy to set up and they | | | | Make it clear on your web site that you operate |
| enable a fraudster to retain total anonymity - no | | | | anti-fraud precautions, and that you will make |
| proof of ID is required when opening a free email | | | | every effort to find and prosecute fraudsters |
| account. We are not suggesting that every | | | | who abuse your online shopping system. Even if |
| customer who uses a free email account is a | | | | you lack the resources to do this, it may |
| potential villain - many people have quite legitimate | | | | encourage fraudsters to look for easier targets |
| reasons for using them - but the use of a free | | | | elsewhere. |
| email account should be considered particularly | | | | Summary |
| suspicious if it occurs in conjunction with one or | | | | PSBill is reliant on the banks for authorisation |
| more of the other circumstances listed on this | | | | codes. We run additional fraud checks that |
| page. | | | | operate across our systems looking for suspicious |
| Suspect countries | | | | patterns in an attempt to avert large hits on any |
| Always check your delivery addresses. Countries | | | | of our merchants' sites. But as the merchant, you |
| with the highest incidence of online card fraud | | | | also need to be vigilant and take responsibility for |
| include many parts of Asia (including Indonesia, | | | | your own transactions. If in any doubt, place the |
| Malaysia and Singapore), the Baltic region, Eastern | | | | transaction on hold and do not despatch the |
| Europe, Africa and South America. | | | | goods. Allow yourself time to investigate. |
| Transaction values | | | | Of course, any fraud measures being |
| Be aware of the general average value of your | | | | implemented are a step in the right direction for |
| Internet sales. If you suddenly receive an | | | | the merchant and consumer alike, and we |
| authorised order for an amount that far exceeds | | | | welcome any new bank initiatives in this regard. |
| your average order value, instead of calculating | | | | However, we can not offer you any guarantee |
| the vast profits you feel you are about to make | | | | that by using our (nor any other company's) |
| from this sale, you should exercise caution. | | | | payment system you will not encounter fraud or |
| Multiple transaction attempts | | | | chargebacks. |