Enable Java Script

Either your browser does not support JavaScript, or you have JavaScript disabled.
You must have a JavaScript-enabled browser to use this site.

Microsoft Internet Explorer

To turn on JavaScript in Internet Explorer, follow these steps:

  1. On the Tools menu, click Internet Options, and then click the Security tab.
  2. Click the Web content zone that you are using (for example, click Local Intranet),
    and then click Custom Level button.
  3. Locate Active scripting under Scripting settings. Click to select the Enable radio button.
  4. Click OK button on Security Settings and Internet Options windows to save your changes.

To download Internet Explorer 7, click here.


To turn on JavaScript in Firefox, follow these steps:

  1. On the Tools menu, click Options.., and then click the Content tab.
  2. Click to select the Enable JavaScript check box.
  3. Click OK button to save the setting.

To download Firefox 2, click here.


To turn on JavaScript in Safari, follow these steps:

  1. Open Safari
  2. On the Safari menu, click on Preferences.
  3. Click the Security icon.
  4. Click on Enable JavaScript next to the Web Content section if it is not checked
  5. Close the Preferences window
  6. Close and restart Safari.

Opera 9.xx series

To turn on JavaScript in Opera 9.xx series, follow these steps:

  1. Open Opera.
  2. On the Tools menu, click Preferences.
  3. Click Content in the Preferences list.
  4. Check the box next to Enable JavaScript.
  5. Click the JavaScript Options button to open the JavaScript Options box.
  6. Check the boxes that you want to allow.
  7. Click OK.
  8. Click OK.

Google Chrome(v0.4.154.23)

To turn on JavaScript in Google Chrome(v0.4.154.23), follow these steps:

  1. First close any open Chrome windows.
  2. Right click on a blank area of your Desktop.
  3. Select New.
  4. Create a new Shortcut with the following in the "Type the location of the item:" text box:
    • For Windows Vista:
      %userprofile%\Local\Google\Chrome\Application\chrome.exe -enable-javascript
    • For Windows XP:
      "%userprofile%\Local Settings\Application Data\Google\chrome.exe" -enable-javascript
      Note: You'll have to enclose the file path for Windows XP in quotes due to there being spaces in it.





Card Acceptance Security

​​Learn the signs of eCommerce and credit card fraud and the steps you can take to help prevent it with tips and tools from M&T Merchant Services. 




​​Understanding fraud is the first step to preventing it.

Today, every business faces a growing risk of credit card and eCommerce fraud. Your best defense is knowing the signs of fraud and following industry best practices to prevent it. M&T Merchant Services is here to help educate you on two types of​ fraud.DIS-219*-DIS|DIS-222*-DIS|DIS-317*-DIS|DIS-224*-DIS|DIS-223*-DIS

Learn more about protecting your business.

When it comes to preventing fraud, there’s no such thing as too much information.

Get the payment processing tools you need to help fight fraud.

M&T Merchant Services is here to help. Partnering with industry leaders in card security, we offer:

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 1-800-724-7031. We’ll be there to help you manage through it.





Get Started Today




​When processing in-person credit or debit card transactions, you can take proactive steps to reduce your risk of fraud.

Follow the right steps for every transaction.

  • ​​Request an authorization for each transaction
  • Collect and compare the customer's signature to that on the back of the card if your point-of-sale device or terminal prompts you for a signature
  • Ask the cardholder for valid government-issued identification if the card is not signed
  • Ensure your customer receipts don't show the card expiration date or the complete credit card number. Only the last four digits of the card number should appear
  • Place a "Code 10" authorization request call if you suspect fraud – a Code 10 request alerts the card issuer without alarming the customer (TIP: Train your employees how to make a Code 10 call safely and calmly)​

Look for these warnings signs of debit or credit card fraud.

  • The signature on the sales slip does not reasonably resemble the signature on the back of the card
  • The signature panel of the card shows signs of erasure
  • The card account number does not match the printed account number on the transaction receipt/sales slip – this may indicate an altered magnetic strip
  • The customer is purchasing an unusual combination of items such as a large variety of expensive products
  • The customer asks you to key their card number because something is wrong with the magnetic strip or chip 

Update and maintain your point-of-sale (POS) equipment and software properly.

  • Make sure your POS setup can accept EMV chip card transactions
  • Use equipment or software that are certified as PCI Compliant
  • Check frequently for application or software updates and patches to maintain the latest security features
  • Examine your POS equipment for indications of physical tampering ​

If your business accepts card-not-present transactions, you (not the card issuer) are liable for any fraudulent transactions. You can help minimize your risk of loss and penalties with the right tools and information.

Train your employees to follow best processing practices for every transaction.

  • ​​Request an authorization for each card transaction
  • Use the Address Verification Service (AVS) and ask the customer for the three or four digit Card Security Code on the back of the card
  • Require AVS and Card Security Code for recurring billing or installment purchases
  • Require a delivery signature or other form of identity confirmation if shipment to an address other than the cardholder's billing address is requested.

Look for the types of transactions common to debit or credit card fraud.

  • Orders from first-time shoppers
  • Larger than normal orders
  • Orders consisting of several of the same item
  • Orders made up of "big ticket" items
  • Orders shipped "rush" or "overnight"
  • Orders shipped to a country unusual to your business
  • Transactions charged to multiple cards and shipped to a single address
  • Orders with a different billing address and shipping address
  • Multiple transactions on one card over a short period of time

Use Payment Card Industry (PCI) compliant equipment and follow PCI best practices.