Merchant security
We're committed to safeguarding you and your customers against fraud.
Important: When in doubt, call us on 1300 713 212.
If you have any suspicions about the card, the presenter or the circumstances surrounding the transaction, please call Bendigo Bank Card and Merchant Fraud on 1300 713 212, 24 hours a day, 7 days a week.
The following information will help you understand ways to protect yourself and your customers against possible fraud.
Face-to-face
- Never process transactions through your terminal on behalf of another business
- Be wary of customers who make indiscriminate purchases without regard to size, quantity or price or who indulge in distraction tactics
- Be cautious when a card number is supplied, i.e. written down, without the physical card being present
- Always check that the card number on the terminal receipt matches the number on the card
- Ensure your terminal is kept secure overnight and keep settlement and refund passwords secure
- Do not let anyone service or remove the terminal without first sighting proper identification
Non face-to-face
- Non face-to-face transactions will result in chargeback if the card details are stolen or fraudulent. As a merchant, obtain as much information as possible of the purchaser
- If suspicious, confirm an order with the customer by calling them on the phone number provided, the day after the order was received
- Authorisation of payment is not a guarantee that the card number has not been stolen or fraudulently used
- Never process transactions through your terminal on behalf of another business
- Never process payment for courier or freight services to service providers via Western Union
- Be cautious of large orders from new customers when delivery is overseas to places such as Nigeria, Ghana, Malaysia, Indonesia, Eastern Europe
For more information, including training videos on how to safeguard your business against fraud, visit APCA Get Smart website.
Browse our help topics
- What is PayID?
- What are the benefits of PayID?
- Who can create a PayID?
- What happens if I lock my PayID?
- What if I don't like my PayID name?
- What happens if the PayID I want to use is already registered by someone else?
- What should I do if I don't receive the six digit verification code when creating a PayID?
- Is it safe to share my PayID?
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- Can one PayID be linked to more than one account?
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- How safe and secure is this?
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- How long do I have to approve a payment on a two to sign account?
- Is Osko by BPAY different from BPAY? Will it replace BPAY or BPAY View?
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- Do you have to be registered for e-banking to create a PayID?
- Why might an account not be visible when creating a PayID in e-banking?
- Can a PayID be created on a term deposit account?
- What happens if I lose my mobile phone and that number was also my PayID?
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- Can you give me an example of when I might need to use a fast payment?
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- Where am I able to see transaction references over 280 characters?
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