Refund Fraud vs Friendly Fraud: How to Tell the Difference
‘Refund fraud’ happens when someone manipulates a merchant’s refund or return process to gain money or goods they aren’t entitled to. Unlike traditional card fraud, which involves stolen payment
What are Chargebacks Telling You About Your Customer Experience?
Chargebacks aren’t just a cost to grumble about, they are structured form of feedback from customers and their banks that points to real friction in the buying journey. When
Disputes in the Gig Economy: When the Seller Isn’t a Business
The UK gig economy continues to experience significant growth. As of 2024, approximately 4.4 million people in the UK were engaged in gig work, encompassing roles such as freelance
False Declines: How Losing Good Customers Costs More Than Fraud
A false decline is when a legitimate customer’s payment is rejected by your systems (or by the issuer) because it looks too risky. It’s the sale you almost had
Micro-Merchant, Macro-Fraud: Why Smaller Merchants Face Growing Threats
Across the UK, fraudsters are continuously refining their tactics, and small merchants are finding themselves at the centre of the target. Micro-merchants, often defined as those with fewer than
Breaking the Returns Loop: New Fraud Risks in Recommerce
Circular eCommerce refers to business models where products are reused, resold, rented, refurbished, or recycled rather than discarded. This sector is growing rapidly, driven by eco-conscious consumers, changing regulatory
When Regret Costs You Revenue: The Merchant’s Guide to Buyer’s Remorse
Buyer’s remorse—that creeping regret a customer feels after making a purchase—is not just an emotional issue. It’s a problem that can translate into returns, negative reviews, or worse, chargebacks.
Click and Collect Fraud: What UK Merchants Need to Know in 2025
Click and collect, has become a cornerstone of modern retail. Especially in the UK, where consumers value convenience and often seek to avoid delivery fees or missed parcel drop-offs,
Phantom Freight: What Is It and Why Should Merchants Be Worried?
Phantom freight is a type of logistics fraud, where scammers bill merchants for transportation services that never actually occur. In more elaborate cases, scammers impersonate legitimate freight carriers, then
What Exactly is ‘Clean Fraud’ and Why Should Merchants Be Urgently Concerned?
‘Clean fraud’ is a highly sophisticated and fast-growing threat for merchants, especially in e-commerce. Unlike more traditional fraud, it uses genuine or convincingly fabricated customer data to make transactions