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Whilst the total amount lost to fraud on UK credit and debit cards fell by 9% to £170 million in the first half of 2011, there is still much to do to stop people who are determined to take money from your business by using someone else’s card. Fraudsters are much less likely to target your business in person via a ‘Chip and PIN’ transaction, and the majority of fraud is seen where the cardholder is not present, i.e. mail order and online payments. Potential fraudulent transactions can be reduced by utilising the new security protocols recently introduced by the