card fraud

Contactless Card Fraud Explained: Real Risks, Cloning Myths and NFC Defenses

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Contactless Card Fraud Explained: Real Risks, Cloning Myths and NFC Defenses

Contactless payments have become the convenient villain of card fraud: the fear is a hidden reader skimming a card through a pocket and cloning it. The evidence is more nuanced. European supervisors and researchers agree contactless has limits, but most card fraud happens elsewhere—mainly in remote payments and schemes that persuade the cardholder to act. … Read more

Card Charge You Don’t Recognise? The Refund Deadlines Banks Must Meet

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Card Charge You Don’t Recognise? The Refund Deadlines Banks Must Meet

Finding a payment on your card statement that you never made starts a legal clock most cardholders do not know exists. Under Spain’s payment-services framework, consumers have up to 13 months from the debit date to challenge an unauthorised transaction, and once the bank has been properly notified, the money should be back in the … Read more