numbers. If the merchant copy of the receipt displays the full account number, you must destroy the receipt after settlement thus negating the advantage of collecting the signature. Ideally, you should employ a signature capture device that allows you to collect an electronic copy of the customer's signature. That electronic signature will be stored in $ $ $ ON THE NET and linked to the appropriate transaction. Instead of searching through paper receipts, you will be able to easily search through your $ $ $ ON THE NET transaction database and bring up the signature.

AVS & CVV2 Codes - Shift4 offers Address Verification Services (AVS) and full support of CVV2, CVC2 and CID codes (the three or four digit numbers located on the physical credit card). Historically, AVS and CVV2 were used only for 'card not present' transactions, such as those on e-commerce sites or through mail order. Visa's VIP program, however, has extended the advantages of these tools to merchants of all types. Running these verifications can help guard against the use of stolen cards and can be particularly beneficial for establishments with larger ticket averages and for any company running a tab or open authorization (hotels, auto rental, etc.)

While the above steps will not totally eliminate external fraud, they will greatly minimize your liability if fraud should occur.

Internal Fraud

There are many types of internal credit card fraud, the most common of which involves the practice of corrupt employees issuing false or over-stated credits to their own card(s) or to those of their cohorts. This type of fraud is generally the most expensive to merchants and the most difficult to detect.

To combat internal fraud, $ $ $ ON THE NET includes the powerful ‘trusted' employee fraud detection and prevention tool, Fraud Sentry®.

Prior to settlement, Fraud Sentry scans through a company's transaction archive, searching for a matching charge or series of charges that

correspond to each credit transaction. If a valid match is not found or if the credit exceeds the charge(s), the suspect credit transaction is flagged and reported to you via email. In addition, Fraud Sentry offers a variety of ways to analyze trends that may signal there are fraudulent activities.

Within the Fraud Sentry settings screen on $ $ $ ON THE NET, you have the ability to control the ‘velocity' settings. Basically, you are able to request that Fraud Sentry track and report a variety of different trends by setting your own threshold tolerances. For example, you may want to know if a card was used over a certain number of times in a day, week or month; whether the total purchases for a card exceeded a certain amount in any given timeframe; or even whether the total number or price of credits for a single card exceed the threshold. This type of trend analysis capabilities, allow you to uncover even the most advanced fraud and should be an integral part of your fraud fighting efforts. In order to take full advantage of these features, you must be sure to have accurate and current emails entered in the Account Setting section of $ $ $ ON THE NET (see Tech Tips).

TECH TIPS

How do I update who receives Fraud Sentry emails?

You can change who receives the Fraud Sentry email notifications directly in the $ $ $ ON THE NET system. Log on to the Root Administrator Account and navigate to Account Settings (under Home - Administration Home - Account Settings) . Once in Account Settings, make the necessary e-mail address changes in the Fraud Sentry Notifications section and click Apply at the bottom of the screen.

If the e-mail address you wish to change does not appear in the Fraud Sentry Notifications section, Shift4 has configured your settings and you must contact us to make any changes. Please fax a signed change request on company letterhead to (702) 597-2499. Include the reason for the change (e.g. old contact no longer with property, etc.), a business card, and copy of your picture ID.

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