There will always be a risk of fraud when human operators handle credit card payments over the phone.

Today, despite the profound and surprising innovations that are taking place in the field of automated telephone collections, there are still countless companies that continue to manage credit card collections over the phone through human operators.

From telemarketing companies to NGOs, debt collection or retail, the problem is no longer simply that these businesses use protocols that carry a huge risk of fraud for their customers and users, but that the users themselves understand this practice as something normal that carries no risk.

Although it may sound more like a shocking newspaper story than reality, every time we offer our credit card to a human operator over the phone, we risk having our bank account emptied in a matter of minutes. After all, who would be able to tell the difference between a real operator of the company we have contracted with and a fake one who behaves exactly the same way?

Fraudsters take advantage of this trust and lack of knowledge to commit thousands of frauds every day around the world.

Because, unfortunately, fraud and vishing professionals(*)  The credit card fraudsters are specialists in impersonating companies that enjoy credibility and trust at a national level, as well as true experts in inventing phantom companies that promise free gifts, incredible offers or the possibility of winning prizes that one could only dream of in exchange for a small credit card charge via telephone at that moment.

And this is not only a problem for the user, who of course is the biggest victim of the scam, but also for the real company that the fraudster impersonates, which loses the credibility and trust of its customers precisely because it has accustomed them to manage their card data through human operators.

(*) Vishing is a combination of the words “voice” and “phishing”. Refers to phishing scams that are done over the phone.

How can a company prevent such scams from occurring among its customers?

There are two main steps to avoid, as far as possible, any liability arising from malpractice with respect to credit card charging via telephone call:

  • Adopting a system for managing collections by telephone in which it is not at any time a human operator who registers or manages the customer’s card data, but an automated system that once it transmits the corresponding data, completely eliminates it from its storage so that there is a fast, secure and confidential transmission of the information.
  • Constantly and conveniently inform your users that no human operator of your company or company will ever ask them for their credit card data, since it is an automated system that takes care of it. They should also be informed who to contact as soon as possible in the event that they receive a telephone call in which a supposed operator of your company asks them for this information.

Discover PayByCall, the automated solution for credit card payments via phone call

PayByCall is an automated system that manages the credit card payment process in a secure, responsible and confidential manner, without ever storing users’ credit card information.

In this way, as soon as the user transmits his card data to the application and the application automatically sends it to the corresponding bank to process the payment, there will be no record of such data anywhere.

Reduce fraud in your company and start taking the necessary measures to ensure the protection of your users. Contact our team, without obligation.

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