Kosten durch Kartenbetrug und Chargebacks im Online-Handel

Definition

Australian online and mail order retailers bear the liability for card‑not‑present fraud when they cannot prove that the cardholder authorised the transaction, resulting in chargebacks and loss of goods and shipping. Stripe explains that fraud detection services are used specifically so businesses can "identify and stop fraudulent activities before they create more serious issues" such as chargebacks and losses.[2] Equifax notes that effective eCommerce fraud prevention lets businesses "accept more good orders, reduce manual reviews" and thus protect revenue by blocking fraudulent purchases before fulfilment.[3] Without modern fraud tools, fraudulent orders are shipped, then later reversed via chargeback, leaving the merchant with the product cost, shipping, marketing costs and chargeback fee. Industry providers such as GBG report that AI transaction monitoring can increase fraud detection by up to 34 %, representing "millions in savings and revenue" for clients.[5] Logic: typical online retail card‑not‑present fraud losses for merchants who rely on basic checks are often in the 0.5–2 % of card turnover range; for a merchant with AUD 10 million annual online card sales, this equates to AUD 50,000–200,000 in direct annual losses from fraudulent orders and associated chargebacks.

Why This Matters

The Pitch: Online- und Versandhändler in Australien 🇦🇺 verlieren schnell 0,5–2 % ihres Kartenumsatzes durch Betrug und Chargebacks. Automatisierte Fraud-Analyse mit KI über Zahlungen, Geräte und Verhalten senkt Betrugsfälle und Chargebacks und schützt so direkt den Deckungsbeitrag.

Affected Stakeholders

CFO, Head of eCommerce, Risk & Compliance Manager, Finanzbuchhaltung, Customer Service (Chargeback-Bearbeitung), Logistikleiter (Warenversand und Retouren)

Related Business Risks