Credit Card-Not-Present Fraud – A Safety Guide For Merchants

Merchants who accept credit card-not-present transactions are at a higher risk of receiving a fraudulent sale than a card present merchant. Criminals do not have to identify themselves or physically present a credit card to be swiped. Online purchases, phone orders, and catalog sales are examples of when a credit or debit card would be keyed-in, not swiped. These card-not-present merchants must take special precautions to ensure they will not be the next victims of credit card fraud. Here are some things to look for when accepting card-not-present (CNP) transactions.

First Time Shopper
Ecommerce merchants, phone order merchants, and catalog sales merchants should always be wary of first time customers. Criminals are always looking for new victims to scam. Ensure that you are using the AVS, or address verification system, and the card security code (CVV2) to reduce your chances of getting stiffed.

Unusual Orders
If you receive an order that is larger than normal, or an order that includes a lot of the same item: be suspicious. Using the same card for multiple orders in a short amount of time should also cause an alert. Criminals succeed at credit card fraud by ordering big and fast before a card can be shut down. Criminals also intend to re-sale their stolen goods. The bigger inventory they have, the better chances they have on the street.

Big Ticket Items
Criminals love to use stolen or counterfeit credit cards to obtain big-ticket items. Big- ticket items will have the largest resale value and make them the most profit.

Rushed Orders
Any time a customer requests “rushed” or overnight delivery take notice. Criminals need to have their stolen goods delivered fast before the card is alerted to authorities and shut down.

International Shipping
International orders are a big red flag because AVS cannot validate addresses outside of the United States. Canada and the United Kingdom are an exception.

Unusual Shipping
Be on the look out for transactions placed on multiple cards with one shipping address. Or, multiple shipping addresses for transactions placed on one card. Unusual shipping could indicate a ring of counterfeit activity.

Similar Account Numbers
Criminals can create counterfeit credit cards using illegal software. Many times these programs create account numbers that are closely related. Take the time to look closely at account numbers and note similarities.

Single IP Address
If you receive transactions from multiple cards from a single IP (Internet Protocol) address, take a closer look. Criminals with stolen or counterfeit credit cards will often “run” them through the same computer.

Free Email Accounts
Fraudsters utilize free email accounts to use in the check out process because there are no records or audit trails leading back to their identity. There is no billing relationship or verification of the person who has opened the email account.

Card-not-present fraud is popular among credit card criminals because their identity is anonymous and they do not physically have to present a credit card to be swiped. The best things a CNP merchant can do to protect themselves is be aware of suspicious orders, utilize the AVS, and always ask for the CVV2 security code. If you are in doubt, you can always ask for an alternative payment.

Smart Tips to Improve Your Presentation Skills

Improving presentation skills can become a great way for helping you in controlling a business meeting with confidence. It may be quite difficult to learn effective presentation skills. However, after you can successfully develop the skills, you will be easier to control your meeting without hesitation. At this time, this article is going to give you some important tips that will guide you to improve your presentation skills.

The first thing that you have to do is to master the material that you want to include in your presentation. It is suggested by some experts to memorize three of the key points for the nest business meeting. So, if you feel nervous toward your presentation skills, you do not have to worry because you will have some of the key aspects to fall back on.

The second thing that you have to do is to practice your presentation in front of small group of your friends in a way to help you gain a confidence in your presentation skills. It will be very beneficial for cutting out those awkward silences which can occur when the presenter is unprepared.

The third thing that you need to do is to try developing your skills in presentation. It can be done by placing yourself in the public speaking situations outside your workplace. If you want to alleviate your stress of business presentation, having karaoke night would be a fun way to do.

The fourth thing that you can do for improving your presentation skills is to join a sales presentation training program. It can be an effective way for you to build your skills.

Finally, after you are reviewing several tips above, now you can start to improve your skills for having a great presentation. So, you will get your presentation runs well and your audience will be satisfied as well.

How to Get an Audience to Be Wowed With Your Presentation

When speaking in front of an audience getting them to be remember you, your message, and your presentation is critical to making sales happen at the time of your event and after you have left the venue.

Each presentation needs to WOW an audience as it will generate additional speaking events for you should you desire and sales for your product or service.

Let’s cover a few ways to make sure your next presentation is one that the audience is talking about long after you have left the building.

· When you have passion for the subject you are speaking on your audience will feel the passion and excitement. Regardless of your product, service, or topic enthusiasm of it will spread through your audience and have them talking about your topic.

· Use the name of audience members when addressing their questions. Many speakers lecture audiences and while this works audiences remember these as “lectures” and don’t come away with a WOW feeling. Ask audience members their name before you answer their question and repeat their name back to them. This will directly involve them in your topic.

· Don’t stay fixated to a podium. Being behind a podium or table can separate you from your audience and won’t have them directly involved in your talk. Feel free to move about the stage or even move through the audience to connect with them.

Audiences want to be wowed by presentations. They are looking for how they can be get the most out of each presentation that they attend. The above methods can be easily added to any presentation. These skills will put you on the way to wowing your audiences and have them talking about it for days, weeks, and even months to come.

When you would like to discover how to maximize each presentation for your business, product, or service I would invite you to visit www.ToddBatesSystems.com.