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Credit cards are a practical everyday companion for many guests and are widely accepted as a means of payment. Unfortunately, neither cards nor terminals are 100% safe from fraud and manipulation attempts, and fraudsters are also becoming increasingly sophisticated in order to make money with stolen card data. We help you to protect yourself efficiently against fraud and thus avert possible damage to your business – either at the POS or via e-commerce.
One of the most popular scams is reservation fraud: Usually, a stolen credit card is used to book a longer hotel stay and the card is charged. In return, the fraudsters demand a booking confirmation by email. After a few days, they cancel the booking under a pretext - very often illness, accident or a medical emergency in the family are given as the reason. They then ask for a credit on a new credit card or for a transfer to a different account than the one used for the booking. Attention: The financial damage this could cause you as a hotelier or restaurateur is immense. Because you could lose your money twice: Firstly, through the chargeback from the real cardholder and secondly, through a credit to the fraudster.
What can you do to avoid being caught in a scam? We have put together the most important tips for you. Please read them carefully to be prepared for potential fraud attempts.
The following names are most commonly used for fraudulent bookings:
Here you will find an overview of the most commonly used fraudulent email addresses: www.bbcanada.com/bb_stay_alert.cfm
Below you will find a typical email history:
No, you still need to be careful as any manual transaction can be reported as fraudulent by the legitimate cardholder.
In most cases, fraudsters use stolen card data, not actual lost or stolen cards. Due to data leaks, fraudsters can obtain complete card numbers and expiry dates of cards that are still valid and functional. Sometimes the cardholder only discovers the fraudulent transactions when they see their monthly credit card statement.
No, in a manual transaction, even documents such as authorisation forms, credit card scans, passport copies, etc. are no guarantee that it is an email from the cardholder and that you are safe from chargebacks.
For recent transactions, the "transaction cancellation" option should be available on your terminal. If this is not the case, please use the "refund" function. For this, please make sure that you make a refund to the same credit card.
Pressuring the merchant with phone calls and emails is often part of the fraud scenario. In such cases, we advise our merchants to insist on payment (ideally with PIN confirmation) at check-in. In most cases, this should be enough to deter the fraudster. Alternatively, you can suggest payment by bank transfer.
If you have any further questions about card fraud, please contact our Fraud Prevention Specialists: email@example.com (Europe) firstname.lastname@example.org (Switzerland) email@example.com (Austria)