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Your responsibility to secure your customers' details

You are responsible for ensuring your customers' payment details remain secure if you:

  • Are a merchant who has access to, or stores, credit card details in any format
  • Use a service provider who stores credit card details in any format.


Your obligations are detailed in the  Payment Card Industry Data Security Standards (PCIDSS) guide (PDF 92KB)

How to protect your business against credit card fraud

Protect your business against credit card fraud by understanding the types of risks you face when you accept credit card transactions and what you should do to reduce it.

Card fraud prevention is detailed in the Protecting business against credit card fraud guide (PDF 101KB)

Protect your business from Online Card Fraud

Online retail is growing rapidly and offers a powerful channel for small businesses to reach new customers and increase sales. However, selling online also presents you with new challenges. You need to be aware of the real risk of online card fraud and the simple steps you can take to prevent falling victim to this type of fraud.

Learn more APCA - Get smart about card fraud online (PDF 2MB)

Your requirements for handling cards

Visa, MasterCard ®, American Express ®, Japan Credit Bureau (JCB) and Diners Club have created an important publication outlining the requirements applying to all merchants who handle credit card, MasterCard ® or Visa debit card information.


Card requirements are detailed in Merchant Requirements for Securing Cardholder Information (PDF 310KB)

What is a chargeback?

A chargeback is the term used by banks for debiting a merchant’s bank account due to successful return of a transaction by the Issuing Bank under the Card Scheme Rules.


For more information on chargebacks read Frequently asked questions about chargebacks (PDF 136KB)