How do we protect ourselves from credit card fraud?
I'm really needing some advice here on what to do. Around mid June I recieved a letter from merchant services saying someone is disputing a transaction. Luckily for me I remember the customer very well (as a small business you remember customers that spend over $400) He came in with a regular customer (also a big spender) and she said this is her friend they live in the same apartment block and she's helping him to get healthy ( my business is a health store)
They had their dogs and we're in the store for over 2 hours my husband even went and took the dogs for a walk! When they were finally ready to pay he gave me his card and ID and the card was declined he then gave me another card and that went through straight away . He is now saying he was never in the store!
I faxed over the receipt and a letter to merchant services and never heard anything untill this morning I looked at my banking and they took the money out. I called merchant services again and they now given me a new case number and I have to fax all the information again. So I called my own mechant service provider and emailed over all the information and they have a record that he first used a diffrent card that was declined.
I don't know if they can do anything . I'm just in shock this can happen I feel I did everything right I saw his ID and they still take his side even though he used another card first that was declined .How do you protect yourself from dishonest customers . I spoke to the regular customer he was with and she was like omg thats terrible I will talk to him but she hasn't been in since. All advice/thoughts would be greatly appriciated