Security for taking credit card payments online

There are some risks in taking online orders. Here's an outline of the risks and how we keep you protected. 

Easy wins in reducing risk

Turn off 'Pay Later'. This setting lets a customer order and pay when they pick up the order. Occasionally, this means customer will order but not come and collect the order. The store has then wasted time and money making the order. You can turn off 'Pay Later' in your Store's Payment Settings. 

Fraud reduction in Mobi2Go 

Mobi2Go Payments has default fraud mitigations and some optional fraud mitigations to consider if you’d prefer less risk.

Stripe Radar

There's an 89% chance we've seen your new customer's card already, and our machine learning will help detect and block fraud before it happens.

This is a default setting for Mobi2Go and has been on by default for Mobi2Go Payments since day one. We're seeing many payments blocked before becoming an issue.

Post code validation

When asking a customer for their card details we can optionally ask for their post code. Banks can choose look at the post code and reject the payment if it doesn’t match.

It’s up to the bank whether to check or not, and not all banks do, so it’s not a solution to solve all fraud. This can be enabled in your Store Payment Settings.

3D Secure

More commonly known to customers as Verified by Visa, MasterCard SecureCode, or American Express SafeKey. This is an additional check at the bank’s website which can be a bumpy customer experience. This will shift the liability from the merchant/store to the bank*, however you are likely to see a reduction in successful payments due to the additional barriers to customers, and therefore a reduction in online orders. This can be Turned on in your Payment Settings. We turn it on by default for all new clients. 

When customers save their card, only the initial transaction is 3D Secure challenged, and the liability is only moved to the bank for that transaction. Once the customer has saved their card, Mobi2Go trusts that the cardholder had the right to use it.

If chargebacks occur from future payments the merchant/store will be liable. However, given the card has passed a 3D Secure challenge previously we assume they own the card and that it won't be reported for fraud in future. In this situation, it provides have a good defence to win the dispute.

Apple Pay

Mobi2Go also offers Apple Pay. Customers can only set up Apple Pay with approval from their bank, so as a result we've seen no fraud yet. For your store, Apple Pay can sit alongside any credit card payment gateway, or it can be provided as part of Mobi2Go Payments.

From a store perspective nothing changes, you receive your payments through the usual Mobi2Go Payments disbursements. For customers it’s the easiest and quickest way to pay with Touch ID or Face ID. We are also aiming to have Google Pay available in the near future.

If you're interested in Apple Pay please contact our Support team.


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