{"id":14975,"date":"2022-10-20T06:00:19","date_gmt":"2022-10-20T13:00:19","guid":{"rendered":"https:\/\/www.trulioo.com\/?p=14975"},"modified":"2023-07-31T23:46:35","modified_gmt":"2023-07-31T23:46:35","slug":"cnp-fraud","status":"publish","type":"post","link":"https:\/\/www.trulioo.com\/blog\/fraud-prevention\/cnp-fraud","title":{"rendered":"How to protect your business from CNP fraud in 2023"},"content":{"rendered":"\n<p><span style=\"font-weight: 400;\">Leveraging eCommerce for 24\/7 sales anywhere in the world has positioned online marketplaces for accelerated growth. But with growth comes heightened risk of card-not-present (CNP) fraud.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Criminals are gaining access to sensitive online data through phishing, skimming and hacking. According to <\/span><a href=\"https:\/\/risk.lexisnexis.com\/insights-resources\/research\/us-ca-true-cost-of-fraud-study#ecommerce\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">a recent study<\/span><\/a><span style=\"font-weight: 400;\">, every $1 of fraud costs eCommerce merchants $3.75, up nearly 20% from 2019.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Many merchants are adopting measures to detect and prevent CNP fraud to protect their business and bottom line.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-when-a-payment-becomes-a-charge-back\"><b>When a payment becomes a charge-back<\/b><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">From the consumer&#8217;s point of view, an online transaction seems fairly straightforward: The consumer provides personal and credit card information and receives transaction confirmation. However, on the back end, there\u2019s a complex payment process designed to mitigate risk.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">There are typically six layers in that process:<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">The merchant\u2019s bank&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Merchant account&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">The consumer\u2019s bank that issues a credit card<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Payment gateway, which is a service that sends the merchant\u2019s eCommerce transaction data to the merchant\u2019s bank<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Payment processor<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">A payment network, such as Visa, Mastercard or American Express<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Transactions are often grouped and processed in batches. That delay in payment resolution is an opportunity for fraudsters. A fraudulent online charge made on a credit card might not appear on a consumer\u2019s bill for a month.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">If the consumer disputes the fraudulent charge, it could lead to a charge-back. The credit charge unwinds itself through the system and ends up on the merchant.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-detecting-and-preventing-cnp-fraud\"><b>Detecting and preventing CNP fraud<\/b><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">An effective CNP <a href=\"https:\/\/www.trulioo.com\/identity-verification-use-cases\/fraud-prevention\/fraud\">fraud prevention<\/a> program revolves around risk mitigation. By understanding fraudsters\u2019 techniques and CNP fraud prevention tools, organizations can develop <\/span><a href=\"\/blog\/compliance\/risk-based-approach\"><span style=\"font-weight: 400;\">risk strategies<\/span><\/a><span style=\"font-weight: 400;\"> that help them mitigate costs while providing enhanced customer experiences.<\/span><\/p>\n\n\n\n<p><b><i>Know Your Customer<\/i><\/b><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Financial institutions need to know who they are dealing with to assess risk and prevent money laundering. There are strict rules for identity verification to discover if the person opening an account actually exists. <\/span><a href=\"\/blog\/kyc\"><span style=\"font-weight: 400;\">Know Your Customer (KYC) requirements<\/span><\/a><span style=\"font-weight: 400;\"> are a significant check to see if the person matches a real-world identity and is not synthetic.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Other identity checks that can determine if a customer&#8217;s identity is legitimate include:<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Searching the email address<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Calling the phone number<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Confirming the person on social media<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">A more enhanced KYC program checks various identity data points, including IP addresses and mobile phone numbers. Video KYC enables organizations to use tools such as biometric face verification and real-time <\/span><a href=\"\/solutions\/identity-verification\"><span style=\"font-weight: 400;\">document verification<\/span><\/a><span style=\"font-weight: 400;\">.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Various combinations of those identity verification checks typically take place during customer onboarding. They also can be performed on a set schedule or for specific events, such as when an account status or customer information changes.<\/span><\/p>\n\n\n\n<p><b><i>Monitor your transactions<\/i><\/b><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Legitimate consumers and fraudsters often produce different transaction patterns. Understanding how consumers interact and transact can help organizations <\/span><a href=\"\/blog\/identity-verification\/payment-fraud-analytics\"><span style=\"font-weight: 400;\">spot fraudulent patterns<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n\n\n\n<p><a href=\"\/blog\/business-verification\/best-practices-merchant-onboarding\"><span style=\"font-weight: 400;\">Monitoring transactions<\/span><\/a><span style=\"font-weight: 400;\"> is vital. While small businesses often can monitor all transactions, larger companies may need a dedicated transaction monitoring program and a fraud detection expert.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Monitoring often includes determining if:<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">The customer is new<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">The purchase is unusual<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">The transaction amount is significantly higher than normal<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">There is inconsistent information in the order<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">There are multiple orders<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">The customer is using a different shipping address<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">The orders are coming from a different IP address<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Adding transaction limits or flagging higher-cost transactions for manual review can prevent higher-cost fraud cases. Organizations can set transaction limits per transaction or cumulatively.&nbsp;<\/span><\/p>\n\n\n\n<p><b><i>Meet payment card industry (PCI) security standards<\/i><\/b><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Every transaction and every part of the eCommerce system requires protection. The right tools and security mindset can help merchants achieve that goal.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">According to the PCI Security Standards Council, an organization should:<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Build and maintain a secure network to protect payment card information<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Protect cardholder information<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Maintain a vulnerability management program<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Implement strong access control measures<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Regularly monitor and test networks<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Maintain an information security policy<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Pass quarterly remove-vulnerability scans<\/span><\/li>\n<\/ul>\n\n\n\n<p><b><i>Adopt additional security measures<\/i><\/b><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">An <\/span><a href=\"\/blog\/identity-verification\/verifying-addresses\"><span style=\"font-weight: 400;\">Address Verification<\/span><\/a><span style=\"font-weight: 400;\"> System compares the address numbers in a credit card file with the corresponding numbers provided in the eCommerce transaction. A card verification value adds security with three or four numbers that further prove the customer\u2019s legitimacy.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">As more consumers make mobile transactions, <\/span><a href=\"\/blog\/identity-verification\/mobile-id\"><span style=\"font-weight: 400;\">mobile data <\/span><\/a><span style=\"font-weight: 400;\">points such as geolocation, billing data and device information can provide identity verification. Device identification can be a particularly effective tool for profile matching.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-reduce-risks-while-expanding-business\">Reduce risks while expanding business<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Implementing measures to help prevent CNP fraud and reduce online charge-backs protects organizations and customers. Companies that provide security and positive experiences can gain market share, keep customers happy and make the most of the digital opportunity.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"Leveraging eCommerce for 24\/7 sales anywhere in the world has positioned online marketplaces for accelerated&#8230;","protected":false},"author":8,"featured_media":16489,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":""},"categories":[331],"post-types":[148],"post-topics":[123],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.1 (Yoast SEO v22.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to protect your business from CNP fraud in 2023<\/title>\n<meta name=\"description\" content=\"Implementing measures to help prevent CNP fraud (card-not-present) and reduce online chargebacks will protect an 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