Restaurants Vs CNP Fraud Rise: Chargeback Insurance Providers

The latest advances in payments provide a myriad of options for ordering dinner. What about card-not-present fraud and chargebacks? How can you, as a restaurant owner, fight them? With the help of chargeback insurance providers? Just move forward to find the answers below.

CNP Fraud at Restaurants Is on the Rise

According to the director of research and development of a fraud-solutions provider, today’s biggest trend is the much greater demand than the available supply of card-not-present (CNP) data being uploaded to underground markets.

The number of restaurants offering delivery and “buy online, pick up in-store,” or BOPUS is growing rapidly. Lots of restaurants offer their own branded mobile apps for much more streamlined customer experience. On the other hand, the number of people ordering food/drinks by phone, over the internet, or via the apps is growing as well.

Quick-service restaurants (QSRs) are offering mobile order-ahead, which can serve as a double-edged sword in fact. According to a digital fraud-prevention solutions provider, 75% of food and beverages merchants witnessed a recent increase in mobile fraud attempts.

Usually, restaurants that lack EMV readers are the main target for fraudsters. 28% of recent survey respondents in the food-and-beverage industry reported a chargeback rate from 0.5% and 1% of all transactions. 1 in 10 survey participants reported a chargeback rate above 1%.

Need Chargeback Insurance Providers to Fight CNP Fraud?

According to Juniper Research, CNP fraud will increase by 14% per year through 2023, which is faster than the YoY increase of CNP transactions.

To solve the growing problem of payment-processing fraud, Visa introduced its Visa Claims Resolution initiative last year. Besides, MasterCard is working on launching its own chargeback- rule update, “MasterCard Dispute Resolution.” By the way, machine learning (ML) is now considered a valuable solution for identifying fraud.

Overall, to fight fraud, you should:

  • Choose a payment processor that accepts EMV payments
  • Be PCI compliant
  • Work with a processor that uses tokenization
  • Rely on point-to-point encryption
  • Use mobile payment for your POS
  • Review contracts with 3rd-party online-ordering services
  • Train your staff

To fight payment-processing fraud, it’s critical to turn to the right merchant-services provider in your field. For this, just work with a reputable payments expert in the UK that can help you with chargeback insurance providers and any merchant services you’re interested in.

A true payment-processor comparison specialist can help you find the payment provider your business really deserves. Be sure to work with a merchant-services comparison company that’s focused on terms, complaints, and integration, and provides the most honest snapshot of companies at the time of writing.

This way, you can be sure to get the most reliable fraud-prevention and chargeback-mitigation services to eliminate disputes caused by errors and criminal fraud.

To sum up, credit-card fraud has been around since the spike in the credit-cards use in the 1980s. The latest online- and mobile-ordering technology solutions open up doors for newer payment options, but they also increase fraud. So, work with the right payments specialist to best protect your business.

Author Bio

Payment industry expert Taylor Cole is a passionate merchant account expert who understands the complicated world of accepting credit and debit cards at your business. His understanding of the industry, including chargeback insurance providers, has helped thousands of business owners save money and time.

Changing Nutritional Needs As We Age

Changing Nutritional Needs

Find out about the way your nutritional needs change as you get older, and how to ensure you stay properly nourished as you age.

At any one time in the UK, there are 3 million people who are malnourished or at risk of malnourishment. Those aged 65 or over are often more at risk, as our nutritional needs change as we age, and if the diet we consume is not adjusted accordingly, there are nasty consequences such as weight gain, or vitamin deficiency.

Being aware of how nutritional needs change is the first step to ensuring that your diet provides you with everything you need, and serves to keep you healthy as you move into later life. If you use home care services then you will likely have the help of your carer to provide nutritious food but if you live alone it can prove difficult to do so.

Avoiding Weight Gain

Every single ten years you age, you need fewer calories. You also need fewer calories if you move less than you used to.

Although it might be tempting to seek comforting high calorie food, it can be detrimental to your health if it leads to weight gain. As your muscles are already weaker, and your bones already weaker, adding additional strain in the way of extra weight is a really bad idea. Additional weight also strains your heart, which is already working harder in winter to keep your warm. Weight gain can also lead to conditions like diabetes, which comes with its own side effects and symptoms.

The Same Nutrients In Less Food

One of the major challenges with eating as you age is that you need the same nutrients as you did before, but you need fewer calories. You still need fruit, vegetables, legumes, low-fat dairy, healthy meats and grains and you need to eat enough to get the right nutrients in your diet. This can be a real challenge when you have to eat fewer calories to avoid weight gain. In some instances you may even require more of certain vitamins or minerals as you did before. Vitamin B12 and Vitamin D are key examples of this as you lose the ability to absorb it as well after you get to age 50. Vitamin D is needed so we can absorb calcium so, one nutrient deficiency can lead to another.

Hydration Is Important

Hydration is so important at every age and it continues to be important as you age. The problem is we can forget to drink when we get older, or we might not even notice our thirst. For this reason, you may need to create some sort of system with a jug of water in the fridge you have to work through every day, leaving you with an empty jug by the time you go to bed.

Lack Of Appetite

Appetite loss can happen very easily as we age, for a number of reasons. This can cause problems with consuming any food at all, let alone foods that are nutrient dense. It is important to find out the reason for appetite loss, and to consume high nutrient easy to consume meals in the meantime, such as soup or smoothies.

Seek Further Help If You Need It

It is so important that you seek further help with your nutrition if you need it. Your GP can test you for any deficiencies and advise you on the best diet to follow moving forward. If you struggle with making meals, or getting out to shop, it could be worth considering some sort of homecare, whether that is a home help, or a live-in carer. A home help providing homecare services could drop in and give you support with nutrition and other tasks for an hour or an afternoon a day, a live-in carer can provide much more substantial all-round support dependent on your needs. You can find out more about live-in care on the Live-in Care Hub website, and more about all kinds of care on the UK Care Guide website.

Teach Kids in Making Cotton Candy

Not will your child enjoy the treat himself, but is making him help you about making the sweet, sugary product, he will learn valuable lessons about work. And with cotton candy as your starting point, your child will associate work and industry with enjoyment and fun.

Of course, safety will be your utmost concern here, as you would not want your child’s opportunity for learning end up in disaster. Follow the steps below so that your kid will have fun learning:

1. Let your child plug in the candy floss machine. Make this an opportunity for you to vividly explain to your child about the dangers of improper handling of electrical device. Be sure to assist your child how to properly do the plugging the first time you make him do it.

2. Allow your child to scoop out sugar as specified in the directions. This step is a perfect opportunity to explain to your child about measurement. Have the child mix the sugar with a small amount of a specified food coloring. This is a perfect time for your child to understand that there is always enough of everything.

3. Have you and your child wait about 3 to 5 minutes for the cotton candy to form. This particular step will make your child realize the value of proper time and waiting. This is also an opportunity for you to explain to your child how cotton candy is formed. Catch your child’s attention by explaining how the sugar is melted first and converted into a liquid inside the machine’s extruder, after which it is thrown out through the tiny holes surrounding the extruder, finally solidifying into threads of spun sugar.

4. Teach your child how to collect the finished product with a paper cone. Remember that even adults need repeated practice before attaining perfection in making something, and this is so much more true for a child. In this step, you can arouse your child’s creativity by explaining to him the many different ways how the finished cotton candy is collected from the machine, and the endless ways to present the finished product.

5. Let your child participate in cleaning up the mess after being done with your cotton candy making session. Let him help you in cleaning the parts of the candy floss machine, using a cleaning sponge and washing it with warm water.

Sugar Free Desserts

This term desserts can easily apply to many types of foods like tarts, cakes, cookies, gelatins, biscuits, pies, ice creams, sweet soups, custards and puddings. Fruit has also lately been found in dessert items. Some important sugar free dessert tips have been explained below.


This is a baked fruit dessert that is made with the help of layers of buttered bread crumbs and fruit.


Buckle is a cake with fruit that is foiled into a batter before it is baked and a crumbly streusel topping is put on top of it.


A cobbler is a baked fruit dessert that has a very thick biscuit crust in it that makes it even more delicious.


This is a baked fruit dessert that comes with a crisp and an extremely crunchy topping.


This is a British name that is given for a crisp and a crunch that has oatmeal as the topping.


This is a baked fruit dessert that comes with fruit that is sandwiched between various two layers of sweetened buttered crumbs.


Fool is a popular dessert that is made of various chilled pureed fruit folded into a whipped cream.


Grunt is a fruit dessert that is topped with biscuit dough and is steamed or stewed.


Pandowdy is a baked fruit dessert that is topped with the help of biscuit dough which becomes crumbly and crisp after it is baked completely.

Basic types of sugar free ice cream makers

Easy Fruit Salad Recipes

Very Berry Salad

What you need:

  • 1 cup fresh blueberries
  • 1 cup fresh blackberries
  • 1 cup fresh raspberries
  • 1 cup fresh strawberries, quartered lengthwise
  • 1 teaspoon white sugar

In a medium glass bowl, mix together blueberries, blackberries, raspberries and strawberries. Sprinkle with white sugar. Cover and refrigerate for at least 1 hour before serving.

Herbed Fruit Salad

What you need:

  • 2 kumquats, seeded and chopped
  • 1 pear, peeled, cored and chopped
  • 1 cucumber, peeled, cored and chopped
  • 1 1/2 cups water
  • 1 1/3 cups quinoa, rinsed
  • 1 cup coarsely chopped watercress
  • 1/4 cup olive oil
  • 2 1/2 tablespoons fresh lemon juice
  • 2 tablespoons chopped cilantro
  • 1/2 teaspoon kosher salt

With the 1 1/2 cups water, bring the quinoa to a boil in a medium saucepan. Reduce heat to low and stir constantly for 10-12 minutes. Remove from heat, drain and allow to cool. Mix together kumquats, cilantro, olive oil, lemon juice and kosher salt in a small bowl. Set aside to steep. In a large bowl, combine pear, cucumber and cooked quinoa. Add the dressing to the bowl, stir then serve.

Butterscotch Fruit Mix

What you need:

  • 4 apples, diced
  • 2 cups frozen non-dairy whipped topping, thawed
  • 2 cups crushed pineapple with juice
  • 1 cup dry roasted peanuts
  • 1/2 cup instant butterscotch pudding mix

In a medium bowl, combine diced apples, peanuts and pudding mix. Mix until ingredients are thoroughly combined. Add whipped topping and crushed pineapple to the mixture then stir. Cover and refrigerate overnight before serving.