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Q: What is friendly fraud and how do I mitigate it?

Friendly fraud happens when a customer falsely disputes a legitimate transaction. Tools like Kount can help identify fraud patterns and reduce chargebacks to stop friendly fraud.

Members of select industry associations and buying groups get access to discounted payment processing rates on a variety of our in-person and online commerce solutions.¹

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Your kind of service is essential to the communities we call home. So, to help you continue to do things your way, our commerce solutions scale with you as your needs change. And as a member of a select industry association, you’ll enjoy preferred rates on credit and debit payment processing.

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Moneris’ wide range of in-person and online retail commerce solutions are trusted by independent retailers and national chains alike, making us a premier partner of Canadian businesses.

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Frequently Asked Questions

How do I know which fraud mitigation tool is right for my online business?

The right fraud tool depends on your transaction volume and the types of payments you accept. Solutions like Kount offer customizable options for businesses of all sizes, helping to protect your revenue and reduce fraud. We encourage you to speak to our team of experts about which fraud tool is right for your business.

What basic fraud prevention measures can a small business implement?

Small businesses can help reduce fraud by enabling tools like Card Verification Value (CVV) and Address Verification Service (AVS) at their online checkout. While each tool is effective individually, they collectively provide multiple layers of protection, ensuring the customer is authenticated as the actual cardholder. 3D Secure 2.2 and Kount can further strengthen your security by authenticating and monitoring transactions in real time, helping reduce the risk of fraud and chargebacks.

What is a chargeback and what are the different types of chargebacks?

Chargebacks are common for businesses that accept card payments. They typically occur when a cardholder disputes a charge, either because their card was compromised or because they believe they should be issued a refund and were denied. The chargeback process can be time-consuming for customers and businesses as each dispute requires a response and evidence.
There are three different types of chargebacks to look out for:
Fraudulent Chargebacks: Unauthorized transactions.
Friendly Fraud: A dispute over a legitimate transaction.
Merchant Error: Disputes due to billing or shipping issues.
Kount helps your ecommerce security by protecting your business from chargebacks.

What is friendly fraud and how do I mitigate it? What is 3D Secure authentication?

3D Secure authentication — also known as 3D Secure or 3DS — is a security protocol for validating online card transactions and verifying people’s identities. The “3D" refers to the “three domains" involved in verifying each transaction. These domains include the credit or debit card issuer, the acquire and the payment platform that processes and verifies the consumer's transaction.
3D Secure has been adopted by many major credit card companies to help streamline and validate e-commerce purchases.

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More ways to help you stay confident and protect your business.

Read our latest blogs to learn more about how to keep things secure and stress-free.

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¹ https://merchantriskcouncil.org/learning/resource-center/member-news/news/2024/true-cost-of-fraud-study-from-lexisnexis-risk-solutions

² https://madeinca.ca/online-shopping-canada-statistics/

³ https://www.speedcommerce.com/insights/whats-in-store-for-canadas-economy-in-2025-plus-ecommerce-logistics-outlook/

⁴ https://www.justconsult.ca/online-shopping-statistics-in-canada/