SECURITY
on an in-store tablet equipped with a chip & PIN Adyen Shuttle device, to pay for the product. “This allows store staff to take orders in the store
through the internet site,” said Sansom, who said this was solely available for its retail and not hire business just yet. “The big change is we have a chip & pin device attached to that tablet, which mitigates the risk of a person not being present in terms of the internet transaction.” Moss Bros is now planning further international expansion using the Adyen platform to France, Germany and the US and potentially integrating its traditional PoS system further with the Adyen system. Another long-term UK fraud combatant is
The company, which runs a separate hire and
rental operation, has recently started an international expansion across multiple channels including desktop, mobile, and mobile point-of-sale (MPoS). Moss Bros adopted Adyen both as a gateway and an acquirer to handle transactions and local payment methods at home and abroad. “Customers get to the hosted Adyen payment page, which is branded Moss Bros. The big advantage for us is it avoids all the issues around PCI [Payment Card Industry] compliance,” said Neil Sansom, e-commerce director for Moss Bros. “We also get that clarity of message coming back from the providers now in terms of why a card may be refused or rejected and we can try to recover that transaction manually via our customer service team. So that helps to boost our conversion.” Sansom said the fraud protection offered by
Adyen gives the retailer more control, highlighting features like the ‘Oil Splash Search’ for fraudulent transactions, which allows all orders and payments from a suspect shopper to be found quickly. “You can examine the details of a particular
transaction and use it as our frontline of fraud,” he added. “This allows us to do a lot of screening at the front end and we’ve cut down significantly on the amount of transactions we have to send to our secondary fraud solution, which we pay for per use. So we’ve seen a definite advantage in terms of being able to recover sales and improve our conversion as well as reduce our cost by the less use of the secondary fraud solution that we use.” The business recently started integrating PoS with
online payments through a recent initiative to roll out tablet-assisted PoS payments in ten of its retail stores. Customers can now use a custom-made app
28 Autumn 2014
Debenhams, which has secured its long-running online gift card and voucher offering using Voucher Express, a Hemingways Marketing Services (HMS) brand supported by Realex Payments. “We started working with Voucher Express in
2000, when we realised the potential of selling our gift voucher online to customers visiting Debenhams. com,” explained Alastair Bellwood, prepaid manager at Debenhams Retail. “Gift vouchers, and then gift cards introduced in 2001, posed a number of trading challenges including fraud screening, card loading, secure handling and despatch that didn’t necessarily sit within our standard distribution model.” He explained that Voucher Express provided
the retailer with a white-labelled, branded solution, which offered customers the ability to order cards and vouchers and have them delivered securely to their own or secondary address. “The cash-like nature of gift cards and vouchers make them an attractive proposition to fraudsters,” continued Bellwood. “Fraud prevention measures employed by Voucher Express, both online utilising systems such as RealScore, Realex Payments’ fraud scoring tool and offline via its experienced control teams, underpins a full liability shift away from Debenhams.” In the US, the picture is similar. The biggest area
of online loss remains, overwhelmingly, from the fraudulent use of credit cards (59%), followed by friendly fraud (16%), according to the results of the most recent US Retail Fraud Survey 2014. One American company, electronics retailer
Micro Center, is taking on the fraudsters head to head and using technology to thwart attempts to steal from it. Speaking at the Retail Fraud Dublin event this summer, Skip Myers, director of loss prevention and security at Micro Center, explained that his everyday goal was to “ruin a bad guy’s day”. “Bad guys all said one thing, that it was easy to steal
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