FRAUD PROTECTION SERVICES

Stay ahead of evolving fraud threats

Take advantage of solutions to help protect your customers and your business.

A Merchant Services Business Consultant will
contact you within 24 hours.

Close up of a POS system with a person using it

The right tools for the job

New methods of fraud emerge every day. Your business needs credit card fraud prevention tools and technology that still allow for a smooth buying experience for your customers. M&T Bank Merchant Services can provide up-to-date solutions for card acceptance security, chip technology, PCI compliance and encryption and tokenization.

Chip technology & fraud liability

Europay, MasterCard, and Visa (EMV®) Chip Card technology can reduce your risk of credit card fraud and protect your business from financial liability. Most EMV capable terminals also have the ability to accept popular contactless payment options.

Card terminals

Help prevent fraud at the point of sale. M&T Bank Merchant Services with work with you to choose countertop and wireless payment solutions with leading security features.

Encryption and tokenization

Protect your customers’ sensitive card data and minimize your risk of loss. Encryption uses an algorithm to scramble card numbers into a non-readable form. Tokenization replaces card data with a randomly generated number.

Report fraudulent transactions and security breaches immediately.

If you suspect a transaction is fraudulent or your payment security has been breached, report it to your merchant processor immediately to reduce your liability. If you’re an M&T customer, contact M&T Bank’s Merchant Services Team at 1-800-536-7000. We're here to help you manage through it.

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Card Acceptance Security

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Encryption and Tokenization

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PCI Compliance Services

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Chip Card Technology

Top questions, answered by our experts

Online credit card fraud is when a criminal uses stolen card information to make fraudulent transactions. It can happen from a data breach, identity theft or when a physical card is stolen. Cybercriminals are developing increasingly sophisticated scams to lure consumers into divulging personal information like card numbers, PINs, card verification values and passwords.

Protect your customers’ sensitive information and minimize your risk of loss. Encryption uses an algorithm to scramble card numbers into a non-readable form. Tokenization replaces card data with a randomly generated surrogate value. M&T can provide you the tools to do both.

Friendly fraud is when a consumer illegitimately files a credit card chargeback, trying to make money off a legitimate transaction. A common example scenario would be an e-commerce customer claiming not to have received an item when in fact they did. If the fraud goes undetected, the criminal is refunded and gets the item for free. The business loses twice.

Friendly fraud can be difficult for retailers to catch. And in trying to investigate this type of fraud, businesses want to be careful not to offend honest customers who have legitimate complaints. E-commerce shipments should always include complete tracking information for best protection.

M&T Bank Merchant Services can help provide up-to-date solutions for card acceptance security, chip technology, PCI compliance, encryption and tokenization that can combat all types of credit card fraud, including friendly fraud.

Partner with M&T Bank

Hear from a Merchant Services Business Consultant directly or book an appointment with your nearest branch in person, on the phone or by video.

We will contact you within 24 hours.