Use common sense and appropriate caution when evaluating any customer behavior or other irregular situation that may occur during a transaction. You know what kind of behavior is normal for your line of business. Differentiating or peculiar behavior does not prove criminal activity. However, Card Association experience suggests that transactions with multiple risk flags could mean you might be the target of a fraud scheme. These include:
- Purchasing high value or large amounts of merchandise with no concern for size, style, color, or price.
- Asking no questions or refusing free delivery on large items (e.g., heavy appliances or televisions) or high value purchases.
- Trying to distract or rush Sales staff during a transaction.
- Making purchases, leaving the store, and then returning to make additional ones.
- Making purchases either upon store opening or just before closure.
You should establish procedures for responding to suspicious transactions. Your sales staff should be familiar with these procedures and receive regular training on them. If they feel uncomfortable or suspicious about a cardholder or transaction, they should adhere to the merchant store procedures and respond accordingly and/or contact us.