A. You are a well-informed merchant! Yes, you are absolutely correct; the implementation of the chip card technology made card-present transactions much safer. Be it as it may, fraudsters are shifting their attention to card-not-present merchants. With that said, you need to double your efforts to defend your business from potential harm. Make sure you continue to follow these best practices for processing online transactions: • Obtain an authorization; • Store the credit card information in a safe and secure location; • Ask for both billing and shipping addresses. If the addresses are different, use your best judgment to determine if the difference is reasonable. If the address is a P.O. Box, ask your customer for an alternative address. Most couriers won’t deliver to a P.O. Box; • Use fraud prevention tools such as Address Verification Service (AVS), Card Verification Value 2 (CVV2);