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Always use electronic authorisation and be aware!

120 days merchants risk chargebacks; the money debited from the bank amount.

Electronic authorisation verifies that the card used to make the purchase has sufficient funds and has not been reported stolen. It does not verify that the customer is the genuine cardholder.

If the card is not present, process the transaction through the terminal function MOTO (mail order/phone order). Always remember that the liability for all card not present transaction chargebacks rests with you the merchant.
 
Call Tyro Customer Care 1300 966 639 for voice authorisation if the terminal is not functioning or if you suspect a possible fraud. We have direct access to Risk and Fraud Officers and the Federal Police.

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Look for the warning signs!

• Check your terminal daily for the serial
  number, evidence of tampering, your name
  on the receipts
• Overseas orders from new sources
• Overseas mailing address or a postal box
  address instead of a physical address
• Orders comprising large numbers or
  duplicate items (they may be on sold)
• Orders placed on a rush or with immediate
  delivery (fraudsters are not concerned with
  delivery costs and want the items quickly)
• A billing address that is different from the
  shipping address
• Free web-based email addresses like
  Hotmail, Yahoo, Gmail
• A mobile phone number instead of a
  landline number
• Orders from Africa or Eastern Europe
• Cost splitting over multiple cards

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Be careful and take the right steps!

• Request telephone, street address and
  customer's ISP email account such as
  name@company.com or
  name@bigpond.com
• Check customer records; keep a database
  of good and bad customers
• Verify the order with the customer by
  telephone or email
• Confirm the address with the financial
  institution or recent telephone directory
• Request information from the customer
  which only the cardholder would know
  (address, digits on back of card, bank
  who offers the card, etc.)
• Safeguard against skimming
  APCA video Part 1 and Part 2
• If you are suspicious, call Tyro Customer
  Care on 1300 966 639

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Be diligent with card not present transactions!

The chargeback liability rests with you.

Only accept Mail Orders (MO) via mail or fax, with the document only available to persons that are trained for secure handling of credit card details. Do not allow and accept CVV2 numbers on the documents.

Only accept Telephone Orders (TO) via he telephone, this effectively means only accept the CVV2 number via phone conversations.

The CVV2 is added security for you. Only enter the CVV2 directly into the terminal. Do not write it down or store it in any form.

New staff needs to be trained when hired or when they start to handle card data.

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Stay up to date on industry guidelines!

Safeguard your terminal against skimming
Protect your data - PCI Security Standards
Safeguard against skimming
APCA video Part 1 and Part 2



Disclaimer Statement:

Tyro makes no representations and gives no assurances whatsoever in relation to the credit worthiness of any person presenting a charge card or the performance of any agreement or arrangement between the Merchant and any person, body corporate or association conducting a charge card scheme. View Tyro's General Terms for more details.


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