Guide
Fraud is rarely dramatic. It is usually small, patient and preventable with a few habits. This is general information, not legal or tax advice.
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Merchant Fund Express explains payments in plain English so owners can make better decisions about equipment and processing.
Fraud is rarely dramatic. It is usually small, patient and preventable with a few habits. This is general information, not legal or tax advice.
Skimming is when a device steals data from a card at the point of payment. For merchants the common risks are tampered terminals, stolen cards used at your counter and fraudulent online or phone orders.
Defense is mostly visual and habitual: check devices, use chip and tap, watch for unusual orders and train staff.
Look at terminals daily for loose parts or foreign attachments.
Chip and contactless are harder to clone than swipes.
Large phone orders from new customers deserve a second look.
Teach staff what to do when something feels off.
A gas-station-style kiosk owner notices a card reader that looks slightly different at close. A quick call and a replacement device remove the risk before any customer is affected.
This comes up for almost every owner at some point. Most of the stress is not the problem itself but not knowing the next step, so having the steps written down before you need them is the real fix. Print the steps, put them where your team can see them and rehearse them once.
Call (305) 384-8391 and tell us how you sell. We will explain the options in plain English, give you a personal quote and review your current statement for free. There is no price list to compare against, because the right setup depends on your business.
Fraud prevention is mostly noticing. Look at each device at open for a loose card slot, a new sticker or a cable that was not there yesterday, and keep a photo of how it should look. Train staff that anything unusual stops use of the device until someone looks at it, and that raising a flag is never a mistake. This is general information, not legal or tax advice.
As explained by Merchant Fund Express. Updated 2026.
Stop using it and call us at once.
Keyed transactions carry more risk; confirm details and keep records.
It reduces counterfeit fraud on card-present sales.
Liability depends on the circumstances and agreements; talk to your processor and an advisor.
Yes. A free statement review shows what you pay today and where a Clover setup would differ, with no obligation to change anything.
No. Our installer sets up the network, devices and menu with you in the room and trains your staff on the real screens, so nobody has to read a manual or call an IT person.
Call Merchant Fund Express. We install it, train your staff and stay on the line after launch. Ask for a free rate review while you are at it.
