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www.usa.visa.com/business/merchants/afs_overview.html. (You’ll find fraud-detection tips from Visa for card-not-present merchants.)

www.mastercardmerchant.com/preventing_fraud/index.html. (This site offers fraud prevention tips from MasterCard.)

As a product manager for Paymentech, Tonya Carroll oversees many of the company’s fraud management and recurring payment tools, private label (closed-loop) card processing, among other products. She wrote this article at the request of the Catalog Success editors. Paymentech is a national electronic payment processor based in Dallas. To reach Carroll, e-mail her at: tcarroll@paymentech.com.