Merchant Guides & How-To Lists

At CNP, we are focused on providing the most timely and relevant information for merchants dealing with the challenges of e-commerce fraud and payments. Below are a number of guides and how to lists to help merchants understand the card-not-present industry and how to best overcome the challenges as they develop. If there’s something you’re looking for that you haven’t seen yet, please let us know and our editorial team will be happy to check into it for you.

False Positives Merchant Guide

False Positives: Impact, Measurement & Response

As merchants find more and more success at identifying and preventing fraud, the other side of that coin is that unfortunately, in many cases, legitimate orders are wrongfully flagged and declined by fraud prevention systems. These can be devastating to a merchant, especially over time.

Our team took a deep dive into this benchmark issue during our CNP inFocus series and this new PDF is a culmination of knowledge gained and LATEST BEST PRACTICES merchants should follow to measure and respond to false positives.

Get the Merchant Guide | False Positives

Chargeback Best Practices Merchant Guide

Chargeback Best Practices: 3 Tactics to Win

Chargebacks continue to be a true measure of a merchants' health and ability to prevent fraud. ATOs, friendly fraud, CNP fraud, loyalty fraud... they all end up as chargebacks.

Our team took a deep dive into chargebacks during our CNP inFocus series—including surfaced content, a merchant-only Zoom collaboration call and a dedicated education session/webinar. This guide is a culmination of NEW STEPS and BEST PRACTICES merchants should follow to prevent chargebacks and help regain lost revenue.

Get the Merchant Guide | Chargeback Best Practices

Refunding Fraud Merchant Guide

7 Steps to Stop Refunding Fraud


Professional refunders are helping customers obtain highly desirable items at a fraction of the cost. They have become experts in the intricate details of specific merchants' terms and conditions and they're using them against you... and unlike most other fraud, you won't get a chargeback notification so you don't even know when they are stealing from you.

Read the Article

8 Keys to Communicating Your Fraud Team's Value

8 Keys to Communicating Your Fraud Team's Value

Despite your successes, a common problem fraud prevention professionals face is how to effectively communicate your team’s value to corporate leaders. Often, management thinks e-commerce fraud isn’t very significant or, even worse, that stopping fraud means saying “no” to sales. As a result, fraud departments are often unable to upgrade the technology they rely on or are left out of strategic decision-making, which can lead to more opportunity for fraudsters to empty the organization’s coffers. Get our FREE CNP Merchant Guide to learn how to speak to executives in the analytical language they understand, which key performance indicators will most persuasively support your cause, how to align your fraud team objectives with overall corporate strategy
and ways to make your fraud team indispensable to your company.

Get the Merchant Guide to Communicating Value

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Preventing Mobile Fraud in 9 Steps

Last year, the share of online purchases transacted on mobile devices grew to nearly 60% worldwide and fraudsters are following consumers. As fraud professionals, we have only slowly come to understand that fraud perpetrated via mobile is significantly different than the fraud we face on traditional e-commerce sites. And, the tactics developed to protect revenue for one channel do not necessarily translate to the other. Get our FREE CNP Merchant Guide to understand how mobile fraud is different from traditional e-commerce fraud, assemble the specific tools you'll need to attack this growing problem and learn effective tactics you can employ to protect your revenue today.

Get the Merchant Guide to Mobile Fraud

Visa's VCR: 10 Rules to Win

In Spring of 2018, Visa announced a new initiative to streamline and simplify their chargeback/dispute process, dubbed Visa Claims Resolution (VCR). VCR restructures the chargeback/dispute process and includes a number of changes to the terminology, deadlines and process that affect you directly as a merchant. Get our Merchant Guide to learn how VCR will affect your business, improve your dispute/chargeback resolution time, reduce invalid disputes/chargebacks and understand the evidence changes/reason codes.

Get the Merchant Guide to Visa’s VCR

Synthetic ID Fraud

CNP Merchant Guide to Synthetic ID Fraud

Synthetic identity fraud is reported to account for 80% of new account fraud with over $800 million in losses last year and a growth rate of 35% year-over-year. Average losses are estimated at over $10,000 per account and organized crime is heavily involved. As a merchant, you need very specific knowledge to root out these potentially huge liabilities. Get our Merchant Guide to understand what synthetic ID fraud is and the factors driving its record growth, learn the various methods fraudsters use, reveal the challenges that make detecting synthetic ID fraud so difficult, recognize the specific indicators of synthetic ID fraud and find out how to attack this growing fraud type.

Get the Merchant Guide to Synthetic ID Fraud

5 ways to keep subscription billing from being a recurring nightmare

5 Ways to Keep Subscription Billing from Being a Nightmare

Subscription-billing models capture customer loyalty and generate increased revenue, if you can manage them. Ensuring that customers who sign up for a subscription with you will continue to be successfully billed for the service is critical. And to do that, payments must be at the forefront of your mind from the beginning. Get our merchant guide to find out how to choose the right external partners, set up the right internal systems & processes, reduce your declines and organize a successful international strategy.

Get the Merchant Guide to Subscription Billing

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Attack Account Takeover Fraud in 5 Steps

Over the past several years, in an effort to make online checkout more streamlined for returning customers, e-commerce merchants have encouraged them to establish online accounts and store their payments credentials. Fraudsters quickly adapted their strategies to take advantage of this vulnerability and account takeover fraud (ATO) has spiked at a terrifying rate. Get our Merchant Guide to understand how to identify compromised accounts, learn how fraudsters are leveraging proxies, mobile emulators and remote desktops, find anomalies in customer behavior patterns that signal ATO, identify concrete ways to place multiple layers of technology in the way of fraudsters and expose vulnerabilities in your customer service and fraud departments.

Get the Merchant Guide to Attacking Account Takeover

E-Gift Cards & Fraud – 5 Ways to Avoid a Chargeback Hangover in January

E-Gift Cards & Fraud: 5 Ways to Avoid a Chargeback Hangover in January

According to, electronic digital gift cards are the fastest-growing segment of the gift card industry. As the electronic digital gift card industry continues to grow 29% annually with consumers, they are just as popular with fraudsters. Get our Merchant Guide to understand how fraudsters can access e-gift cards to buy and sell them at discount, learn how to identify e-gift card fraud and the best practices to prevent it.

Get the Merchant Guide E-Gift Cards & Fraud

Chargebacks a problem? Find out what TC-40s are and how they are affecting your bottom line.

The Merchant Guide to TC-40s

Every time a cardholder claims fraud, issuers file a TC-40 claim for that transaction. These claims are then reported to the card brands and out to all issuers and to the merchant's acquirer. This report is known as the Risk Identification Service (RIS) for Visa transactions and the System to Avoid Fraud Effectively (SAFE) for MasterCard. Get our merchant guide to understand the way TC-40s work, learn the difference between TC-40 & Chargebacks and recognize the steps to determine if the TC-40 is impacting your business and how to address these impacts effectively.

Get the Merchant Guide to TC-40s

Merchant Guide: 5 Steps to Fix Your Fraud Problem

5 Steps to Help Fix Your Fraud Problem

As e-commerce continues to grow, fraudsters will continue to find new ways to exploit your vulnerabilities and as a merchant, the liability is yours. Companies that don’t pay attention to their losses and to suspicious order behavior are the ones who pay. Get our merchant guide to help reduce your decline rates, chargeback rates and payment processing fees.

Get the 5 Steps to Help Fix Your Fraud Problem