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<p class="breadcrumb__link">How to Recognize and Avoid Merchant Account Scams in 2022</p>
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How to Recognize and Avoid Merchant Account Scams in 2022
</p>
<div class="post__data body-1-medium mobile__body-1-medium">
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31.10.22
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5 min
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<hr>
<h2>
Merchant services scams can derail the success of your small business. By understanding how
these schemes work, you'll have the awareness you need to avoid fraudulent providers.
</h2>
<p>
In this guide, we explore some of the most common merchant service scams and offer advice on
how to shield your business from bad actors when selecting a merchant services provider.
</p>
<hr>
<h2>
Common Merchant Service Scams
</h2>
<p>
This scam is often difficult to detect and can potentially cause serious harm to your
business.
<strong>The fraudulent provider gains "backdoor access" to sensitive financial information
from your customers and your business by changing the code of your .</strong>
</p>
<ul>
<li>
Then, they can commit identity theft and transfer funds to their own bank accounts. If
this occurs, you could be held legally responsible for financial losses faced by
customers.
</li>
<li>
Fortunately, robust security measures can help protect your <a>payment gateway</a> from
a backdoor access attack. You should always work with a <a>PCI-certified merchant
service provider</a> that monitors your account for chargebacks and other red flags.
</li>
<li>
You can also add a second layer of protection with an outside security service to scan
your systems for viruses, malware and other weaknesses that could cause a breach.
</li>
</ul>
<hr>
<h2>
Bait-and-Switch Sales Calls
</h2>
<p>
This scam starts with an unexpected call or message that contains a recording. The speaker
says they're from your merchant service provider and that you're agreeing to higher fees
unless you respond right away. Alternatively, they might say you're due for a rate review.
Either way, the goal is to get you to call the scammer back.
</p>
<p><img src="./images/blog-post/blog-post-img.jpg"></p>
<h2>
Who Is Responsible for Merchant Service Scams?
</h2>
<p>
It can be challenging to pursue the responsible party when you experience a merchant service
scam.
<strong>If your business has fallen victim to hidden fees, start with a careful contract
review to see if your signed agreement mentioned these charges. </strong>
</p>
<ol>
<li>
Sometimes, scammers skip talking about certain fees but put them in the contract. They
might also charge you for items that aren't covered in the merchant services agreement.
</li>
<li>
Unfortunately, you can successfully file charges for hidden fees only if you can prove
the business intended to deceive you based on the laws in your state.
</li>
<li>
If you lose a large deposit to a merchant who goes missing, you likely have a legal
basis for fraud charges.
</li>
</ol>
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