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While all businesses operating online are at risk of internet theft, smaller businesses must take extra care to ensure financial transactions are carried out in a secure and reliable fashion. Detective Superintendent Gerry Walsh warns that the financial implications of CNP fraud can have a profound effect on small business and that retailers should immediately contact their local garda station if they suspect suspicious activity online. “The Garda National Economic Crime Bureau has trained hundreds of gardaí to investigate cases like these. Our key is prevention, to make sure we stop this before it happens, because it can have a profound effect on small businesses. The retailer has to pay for it in the end and it could have a knock on effect on their business.” Unfortunately small businesses who suffer financial losses from CNP fraud will rarely get the money back, says Det Superintendent Walsh. “The payment will go to the person whose card has been compromised. If the goods are lost and they’re still out there we may be able to recover them but it can be difficult to get your property back. We need to prevent these things before they occur.” Lorraine Higgins from Retail Excellence says business owners must ensure staff are adequately trained in internet safety and take the time to check through payment details. She recommends that extra care be taken when a consumer uses a card in a different name and says all businesses should use 3D authentication through verified by Visa or Mastercard. These are the people who work to protect European citizens, businesses and governments from online crime.

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