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Business security

Protecting your business

Businesses can also be targeted by criminals. You should ensure systems and processes are in place to protect your business and your customers.

It's important business owners implement appropriate risk management practices and systems to adequately protect themselves and their customers.

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.


  • 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 further insights into safeguarding your business against fraud, visit the AUSPAYNET website.

3 steps to remember

  • Stop - don't give money or personal information to anyone if you're unsure.
  • Think - ask yourself, could the message or call be a fake?
  • Protect - act quickly if something feels wrong.

Why bank with Bendigo Bank?

We're one of Australia's biggest banks, and we're also the nations most trusted bank. As we grow we invest in technology, accessibility, and service to create a better banking experience for everyone. Here are just some ways we're bigger for customers.

The better big bank

  • Caring for 2.5 million customers
  • Voted Australia's most trusted bank^
  • Profits invested back into Australian communities
  • Community bank branches in rural areas


  • 24/7 fraud monitoring
  • Multi-factor authentication
  • Secure online shopping
  • Zero Liability Protection5
  • Banking safely online support

Bendigo Bank app

  • Transfer money
  • BPAY
  • Lock/unlock lost cards
  • Change your card PIN

Things you should know

^ Roy Morgan Risk Monitor 2023. Customers of Bendigo and Adelaide Bank Limited.

5Mastercard Zero Liability

Conditions for protection apply, see

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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