Many small and medium-sized businesses (SMEs) that cater to other businesses are not familiar with the concept of e-commerce. However, they recognize the significance of e-commerce in the process of digital transformation. We...

In Hong Kong, holding public fundraising activities in public places(1) require prior application and approval from the Social Welfare Department, such as flag day or street charity sales. If the time of e-flag selling is close to the approved flag-selling day, or has...

3DS1 will be discontinued by payment networks from October 2022, and have mandated the ecosystem to upgrade to 3DS2. Please see below deadlines to ensure you have updated 3DS to avoid disruption: American Express – 14 October 2022 Discover / Diners – 14 October 2022...

Visa’s Latest Dispute Rule Updates: Evolution of Compelling Evidence Effective from 15 April 2023, Visa will implement new standardisation of data to enhance chargeback processing. This update particularly covers card-not-present (CNP) chargebacks regarding the...

While the original 3-D Secure protocol was developed more than 15 years ago to mitigate fraud in ecommerce transactions, the acceleration of ecommerce in recent years calls for greater payment security as fraudsters also turn to digital. 3-D Secure 2.0 addresses the...

The payments industry is experiencing a shortage of Bank Identification Numbers (BINs), as a result of growing digital payment innovation in recent years. BINs comprise the first six numbers of the primary account numbers (PAN), also visible as the first six digits on...

Card Testing Fraud was widely reported in the recent year, affecting many online merchants’ businesses. In this report, you will learn: The mechanism of Card Testing How fraudster implement Card Testing The impact of Card Testing on your business How to identify Card...

Think of online payment fraud as any illegal or false transaction that can happen on the internet. Through payment fraud, cybercriminals can steal your money, sensitive information, and even at times, your personal property. Thus, it becomes imperative to take...

Card testing continuously happened in retail world and this advanced operation is normally been used by the fraudsters to identify whether the card can be credited or not. Usually, the fraudster would test the card details specially in non-profit organisations such as...