Retail account dating merchant online
As merchants move to EMV chipped cards, fraudsters will increase online fraud attempts as card-not-present fraud will be simpler to execute than debit and credit fraud in an EMV world. cards will be chipped by the end of the year, and 98% by 2017.
With EMV, a small micro-chip is embedded into a debit or credit card that makes a unique code for every transaction. Card-Not-Present fraud will affect every merchant that sales merchandise online.
The volume was good and the accounts were profitable for the banks.
Fast-forward a few years to today, and banks have tightened the noose around the neck of processors and their merchants due to the substantial increase of online fraud and chargebacks.
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