{"id":39667,"date":"2021-10-22T15:28:43","date_gmt":"2021-10-22T19:28:43","guid":{"rendered":"https:\/\/www.arffinancial.com\/development\/?p=39667"},"modified":"2023-11-06T14:54:57","modified_gmt":"2023-11-06T19:54:57","slug":"friendly-fraud-and-how-to-avoid-it","status":"publish","type":"post","link":"https:\/\/www.arffinancial.com\/development\/friendly-fraud-and-how-to-avoid-it\/","title":{"rendered":"Friendly Fraud and How to Avoid It"},"content":{"rendered":"

\"Friendly<\/p>\n

The rise in ecommerce and delivery services\u2014much of which can be attributed to the COVID-19 pandemic\u2014has also brought an increase in some bad consumer behavior. Friendly Fraud, a kind-sounding term for something not-so-kind, is on the upswing. Commonly known as \u201cchargeback fraud<\/a>,\u201d friendly fraud happens when a consumer makes a purchase with a credit card and then disputes the charge with their bank, even though they actually received their product or service. The customer gets their money back, and many times the merchant has to cough up the cash. There\u2019s a high price to pay for chargebacks<\/a>, and it\u2019s particularly difficult on small businesses. In this post, we\u2019ll cover some ways you can work to avoid this type of scam at your business.<\/p>\n

Preventative measures to keep friendly fraud from wreaking havoc on your business can vary in scope. Implementing payment security tools during the checkout process online is one way to tackle it. These tools verify that the person making the purchase is the actual owner of the card\u2014which can go far in battling scammers who claim they didn\u2019t make the purchase they actually did. Payment authentication is defined by EBANX<\/a> as \u201cthe process of confirming a customer’s identity through at least one of the following authentication factors: knowledge, inherence, ownership, and user location.\u201d Security questions are one type of authentication method, however the answers to these can be easily guessed by friends or third parties. The \u201cownership\u201d factor is more secure method that includes tokens, one-time passcodes, or certificates.<\/p>\n

For restaurants in particular, friendly fraud has come in the form of customers claiming they haven\u2019t received their food delivery. To mitigate, you can start by taking pictures of every item in the delivery order before it hits the road, and send a list of these items to the customer once it\u2019s delivered. If the order is pricey (think catering orders or high-ticket seafood), require they be picked up in person.<\/p>\n

When it comes to friendly fraud and unwarranted disputes, it\u2019s critical to capture as much information as possible to use as evidence in your favor.<\/p>\n

As many as 83 percent of those who commit friendly fraud become \u201crepeat offenders,\u201d according to Chargeback Gurus<\/a>. Start creating a list of customers who have been exercising these behaviors so you and everyone on your team knows not to do business with them. And to help prove your innocence during unwarranted chargeback disputes, always keep records of receipts and any other evidence that will prove the payment transaction was indeed authorized or the food was truly delivered.<\/p>\n

Keep an eye on The Financial Pantry<\/a> every week for new content about all things small business. And remember our name if you find yourself in need of a small business loan<\/a>. Our industry expert loan consultants are here to help create a loan product that\u2019s curated to fit your needs\u2014no gimmicks, and very little paperwork. Learn more about ARF Financial today!<\/p>\n","protected":false},"excerpt":{"rendered":"

The rise in ecommerce and delivery services\u2014much of which can…<\/p>\n","protected":false},"author":5,"featured_media":39668,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","om_disable_all_campaigns":false,"footnotes":""},"categories":[698],"tags":[398,402,386,535,220,881,213,836,818,401,224,222,172,819,311,226],"class_list":{"0":"post-39667","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-small-business-financing","8":"tag-affordable-business-loans","9":"tag-affordable-small-business-growth","10":"tag-business-loans","11":"tag-equipment-leasing","12":"tag-flex-pay-loans","13":"tag-friendly-fraud-and-how-to-avoid-it","14":"tag-line-of-credit","15":"tag-small-business","16":"tag-small-business-business-loans","17":"tag-small-business-expansion","18":"tag-small-business-financing","19":"tag-small-business-funding","20":"tag-small-business-growth","21":"tag-small-business-leasing","22":"tag-small-business-line-of-credit","23":"tag-small-business-loans"},"acf":[],"yoast_head":"\nFriendly Fraud and How to Avoid It - 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