Any company can be a victim. Large companies have to recover funds for the prevention of fraud and the resources to face financial losses. A small company can not have the resources to install programs to prevent fraud, and may not recover in a position to face financial losses. The three most common types of fraud can cause major problems for small businesses.
Control and credit cards
The illegal use of checks and credit cards is growingThanks to sophisticated technology, and companies must always be vigilant to this type of fraud. To prevent fraud by check, make sure you accept all the controls has at least perforated on one side, a model of substance, and a bank logo, name and address. Hidden controls that were photocopied, as a rule or watch the press is not clear.
MasterCard and Visa have three numbers on the blank check for the back are in italics (Card Verification Value). Ask the three-digit numberhave been stolen by thieves, credit card numbers deterred, but you have no real map. In addition, the Visa account numbers start with a 4 and contain digits, 13-16. MasterCard accounts at the 5 and contain 16 digits. American Express account numbers beginning with either 34 or 37 Always ask for photo identification of each for a check or credit card.
Offers illegal lending
Individuals illegally, as the lender to the small-business goal, because they believeare most vulnerable. If you are asked to pay a processing fee before sure it's a legitimate lender. Also be careful if you receive a letter or phone call to say they are already approved for the purchase or rental of equipment. Send no money, if you know that the offer have been lawfully made by a reputable company.
To consider any legitimate creditor's rights and the business plan until the equipment in which they borrow money or lease to you. YouBeware of phone calls, e-mail or letter prior to approval for absolutely nothing. Do not send money, you know, make a legitimate business. Furthermore, it is always a good idea to check with the Better Business Bureau or the Office of the Attorney General, if complaints have been filed against the company.
Site Credit Card Fraud
Your customers should feel safe when transactions on your site. Theresome steps you can take to protect your customers. As with other transactions, credit cards, ask the three-digit number on the back of the card. Customers call to ensure their billing address or zip code, and that the information matches. If you have a phone number for the customer, call to confirm your order.
There are services for the prevention of fraud, which can be hired and for the detection of fraud, which can be bought. It is a service called Pay lots and authenticationCredit card verification. There are solutions that can be scaled and with the current methods of processing are integrated. Above all, trust your intuition. If something does not feel comfortable, it has probably done something wrong.
Jo Ann Joy, Esq., MBA, CEO
Copyright 2006 Indigo Business Solutions. All rights reserved.
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