Protecting Customers (and Merchants) from Fraud and Scams

Accepting online payments means working in what's called a "card-not-present" environment.  This situation brings with it a whole new set of challenges compared to a brick-and-mortar store front where you actually meet your customer, sell a tangible good, and can check ID. 

There are many advantages to using and Internet Payment Service Provider (IPSP) and you can read more about that in this blog.  The focus for this post, however, is about the importance of risk management to protect both surfers and merchants in the virtual marketplace. 

While there are certainly instances where a cardholder's information is compromised and used without authorization, this is by far not the norm.  With the protections in place by the card associations, cardholders can feel safe using their cards for online purchases.  Epoch verifies card information by employing all the anti-fraud methods made available by the card associations including AVS, CVV2, CVC2 and 3-D Secure (Verified by Visa and SecureCode).  In addition, we also use our own proprietary network of rules and filters that we have developed in-house and refined over many years of experience in this environment.

Preventing fraud is paramount to what we do.  It supports consumers and merchants alike to be vigilant in preventing the unauthorized use of cardholder information. 

If you are a cardholder with questions about a charge, our friendly and knowledgeable staff is available to you any time.  Feel free to contact us.

If you are a merchant with questions regarding processing services, we are happy to show you how Epoch can help your business.