{"id":2384,"date":"2020-12-15T11:04:11","date_gmt":"2020-12-15T05:34:11","guid":{"rendered":"https:\/\/cashfree.com\/blog\/?p=2384"},"modified":"2023-01-04T12:56:21","modified_gmt":"2023-01-04T07:26:21","slug":"types-of-merchant-fraud-encountered-by-payment-aggregators-and-measures-to-tackle-it","status":"publish","type":"post","link":"https:\/\/blogrevamp.cashfree.com\/types-of-merchant-fraud-encountered-by-payment-aggregators-and-measures-to-tackle-it\/","title":{"rendered":"Types of merchant fraud encountered by Payment Aggregators and measures to tackle it"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #005c31;color:#005c31\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #005c31;color:#005c31\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/blogrevamp.cashfree.com\/types-of-merchant-fraud-encountered-by-payment-aggregators-and-measures-to-tackle-it\/#Merchant_fraud_vs_transaction_fraud\" >Merchant fraud vs. transaction fraud<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/blogrevamp.cashfree.com\/types-of-merchant-fraud-encountered-by-payment-aggregators-and-measures-to-tackle-it\/#Forms_of_merchant_fraud_and_the_checks_necessitated\" >Forms of merchant fraud and the checks necessitated<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/blogrevamp.cashfree.com\/types-of-merchant-fraud-encountered-by-payment-aggregators-and-measures-to-tackle-it\/#Holistic_monitoring_for_effective_fraud_detection\" >Holistic monitoring for effective fraud detection<\/a><\/li><\/ul><\/nav><\/div>\n\n<p class=\"wp-block-paragraph\"><strong>A different version of this article was published previously on <\/strong><a href=\"https:\/\/www.medianama.com\/addressing-merchant-fraud-and-the-kyc-challenge\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Medianama<\/strong><\/a><strong>.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>By Asheeta Regidi and Reeju Datta<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Developments in payments technology and fraud have tended to go hand-in-hand in the past. Payments giant Paypal, which arguably popularised money on the internet, was reportedly losing more than $1.6 Million every month on fraudulent transactions during early days. Paypal has since resolved those fraud issues<span id='easy-footnote-1-2384' class='easy-footnote-margin-adjust'><\/span><span class='easy-footnote'><a href='https:\/\/blogrevamp.cashfree.com\/types-of-merchant-fraud-encountered-by-payment-aggregators-and-measures-to-tackle-it\/#easy-footnote-bottom-1-2384' title=' Media Report by Chelsea Allison: &lt;em&gt;PayPal\u2019s history of fighting fraud&lt;\/em&gt;, Fin, dated March 01, 2019. &amp;nbsp;'><sup>1<\/sup><\/a><\/span>, but a similar situation is arising today, with new avenues for fraud opening with India\u2019s push for digital payments and the pandemic induced accelerated digitisation. The Reserve Bank of India (\u2018RBI\u2019) reports an increase in both volume (28%) and value (159%)<span id='easy-footnote-2-2384' class='easy-footnote-margin-adjust'><\/span><span class='easy-footnote'><a href='https:\/\/blogrevamp.cashfree.com\/types-of-merchant-fraud-encountered-by-payment-aggregators-and-measures-to-tackle-it\/#easy-footnote-bottom-2-2384' title=' RBI Publications: &lt;em&gt;Annual Report&lt;\/em&gt;,&lt;em&gt; &lt;\/em&gt;Chapter VI. Regulation, Supervision and Financial Stability, updated on August 25, 2020.'><sup>2<\/sup><\/a><\/span> in reported financial fraud since last year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Increasing payment fraud even prompted a recent regulatory advisory for industry initiatives<span id='easy-footnote-3-2384' class='easy-footnote-margin-adjust'><\/span><span class='easy-footnote'><a href='https:\/\/blogrevamp.cashfree.com\/types-of-merchant-fraud-encountered-by-payment-aggregators-and-measures-to-tackle-it\/#easy-footnote-bottom-3-2384' title=' RBI Notification: &lt;em&gt;Increasing Instances of Payment Frauds \u2013 Enhancing Public Awareness Campaigns Through Multiple Channels&lt;\/em&gt;, RBI\/2019-20\/256, dated June 22, 2020. &amp;nbsp;'><sup>3<\/sup><\/a><\/span> promoting user awareness. Tackling merchant based payment fraud however requires diligence at other levels as well. Acquirers like banks or payment aggregators (\u2018PAs\u2019), bear the risk and responsibility here, being (often) the first to on-board merchants into the (digital) financial system. Here, the nature of merchant fraud PAs face and how they can be addressed is discussed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"merchant-fraud-vs-transaction-fraud\"><span class=\"ez-toc-section\" id=\"Merchant_fraud_vs_transaction_fraud\"><\/span><strong>Merchant fraud vs. transaction fraud<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Payments fraud can take the form of \u2018transaction fraud\u2019, usually at the end-user level<span id='easy-footnote-4-2384' class='easy-footnote-margin-adjust'><\/span><span class='easy-footnote'><a href='https:\/\/blogrevamp.cashfree.com\/types-of-merchant-fraud-encountered-by-payment-aggregators-and-measures-to-tackle-it\/#easy-footnote-bottom-4-2384' title=' Media Report by Samarth Bansal: &lt;em&gt;The murky world of India\u2019s fintech scams&lt;\/em&gt;, Mint, updated on March 24, 2020.'><sup>4<\/sup><\/a><\/span>, consisting of unauthorised transactions, false refunds\/chargebacks, etc. This often relies on extracted financial data via phishing, hacking databases, malware\/screen-sharing apps, pagejacking to redirect legitimate traffic, etc. Remedies thus entail say security measures at the end-user level (mandatory AFA<span id='easy-footnote-5-2384' class='easy-footnote-margin-adjust'><\/span><span class='easy-footnote'><a href='https:\/\/blogrevamp.cashfree.com\/types-of-merchant-fraud-encountered-by-payment-aggregators-and-measures-to-tackle-it\/#easy-footnote-bottom-5-2384' title=' RBI Notification: &lt;em&gt;Security Issues and Risk mitigation measures related to Card Not Present (CNP) transactions&lt;\/em&gt;, RBI\/2011-12\/145, dated August 04, 2011.'><sup>5<\/sup><\/a><\/span>, payer authentication via 3-D Secure, tokenisation<span id='easy-footnote-6-2384' class='easy-footnote-margin-adjust'><\/span><span class='easy-footnote'><a href='https:\/\/blogrevamp.cashfree.com\/types-of-merchant-fraud-encountered-by-payment-aggregators-and-measures-to-tackle-it\/#easy-footnote-bottom-6-2384' title=' RBI Notification: &lt;em&gt;Tokenisation \u2013 Card transactions&lt;\/em&gt;, RBI\/2018-19\/103, dated January 08, 2019.&amp;nbsp;'><sup>6<\/sup><\/a><\/span>, SMS alerts<span id='easy-footnote-7-2384' class='easy-footnote-margin-adjust'><\/span><span class='easy-footnote'><a href='https:\/\/blogrevamp.cashfree.com\/types-of-merchant-fraud-encountered-by-payment-aggregators-and-measures-to-tackle-it\/#easy-footnote-bottom-7-2384' title=' RBI Notification: &lt;em&gt;Customer Protection \u2013 Limiting Liability of Customers in Unauthorised Electronic Banking Transactions&lt;\/em&gt;, RBI\/2017-18\/15, dated July 06, 2017.'><sup>7<\/sup><\/a><\/span>, etc.) or merchant measures (cybersecurity checks, monitoring suspicious customer activity like multiple orders by the same person using different cards, alerts for scams like counterfeit product sale, etc.).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Merchant fraud does involve transaction fraud, but can be differentiated given the source. It often revolves around the merchant\u2019s identity, and resolution methods thus turn from user level diligence and security measures to merchant level monitoring and identity checks. Broadly, merchant fraud may be with the intention of duping individuals (fraudulent transactions), or the authorities (money laundering, tax evasion, terrorist financing). The former is challenging given multiple users can be defrauded simultaneously (unlike general transaction fraud that can be a single fraudulent transaction). Mandatory KYC, pre and post on-boarding merchant due diligence and transaction monitoring <span id='easy-footnote-8-2384' class='easy-footnote-margin-adjust'><\/span><span class='easy-footnote'><a href='https:\/\/blogrevamp.cashfree.com\/types-of-merchant-fraud-encountered-by-payment-aggregators-and-measures-to-tackle-it\/#easy-footnote-bottom-8-2384' title=' RBI Notification: &lt;em&gt;Guidelines on Regulation of Payment Aggregators and Payment Gateways&lt;\/em&gt;, RBI\/DPSS\/2019-20\/174, updated on November 17, 2020.'><sup>8<\/sup><\/a><\/span> come together to tackle this fraud.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"forms-of-merchant-fraud-and-the-checks-necessitated\"><span class=\"ez-toc-section\" id=\"Forms_of_merchant_fraud_and_the_checks_necessitated\"><\/span><strong>Forms of merchant fraud and the checks necessitated<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Forged KYC documents and Identity theft:<\/strong> Forged KYC documents allow fraud like identity theft, involving assuming a legitimate business\u2019s identity by forging its key documents. Alternatively, the fraudster can create a new identity altogether, or claim authorisations, etc., that he doesn\u2019t actually have. Document authenticity checks, signature matching, beneficial owner checks, etc., done via API based verification, eKYC\/digital signature mechanisms, etc., are thus key here. Live photographs, geotagging and encouraging AI and face matching technology use in the RBI\u2019s digital<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"holistic-monitoring-for-effective-fraud-detection\"><span class=\"ez-toc-section\" id=\"Holistic_monitoring_for_effective_fraud_detection\"><\/span><strong>Holistic monitoring for effective fraud detection<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For effective merchant fraud detection, thus a PA has to aim for holistic monitoring, covering the merchant\u2019s entire portfolio. Turning to new age AI\/ML based fraud detection systems will be essential. Data also holds significant promise as a risk mitigation technique, and the proposed exemption of its use as such as a \u2018reasonable purpose\u2019 under the upcoming Indian data protection law<span id='easy-footnote-9-2384' class='easy-footnote-margin-adjust'><\/span><span class='easy-footnote'><a href='https:\/\/blogrevamp.cashfree.com\/types-of-merchant-fraud-encountered-by-payment-aggregators-and-measures-to-tackle-it\/#easy-footnote-bottom-9-2384' title=' The Personal Data Protection Bill, 2019.'><sup>9<\/sup><\/a><\/span> is thus welcome.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>This article takes a quick look at the types of merchant fraud PAs encounter and the measures to tackle it. <\/p>\n","protected":false},"author":11,"featured_media":7182,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_themeisle_gutenberg_block_has_review":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[1,1383,1412],"tags":[2107,2190],"class_list":["post-2384","post","type-post","status-publish","format-standard","has-post-thumbnail","category-all","category-payments","category-policy","tag-experts-speak","tag-payment-policies"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - 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