Automatiserade bränsledispensrar

For EMV chip transactions at AFDs in MCC 5542, the liability for counterfeit card fraud typically shifts from the merchant to the card issuer, provided the merchant's terminal is EMV-enabled and the transaction is processed using the chip.

For magnetic stripe transactions, especially internationally issued cards not performing chip processing, the merchant usually retains liability for counterfeit fraud. Cardflo advocates for full EMV compliance to leverage these liability shifts and minimise merchant risk.

AFDs often use pre-authorisations to ensure funds are available, placing a temporary hold on a larger amount (e. g.

, £100) than the actual fuel purchase. This can cause customer confusion or overdrafts if they misinterpret the hold as the final charge.

While not a chargeback trigger in itself, it can lead to customer service inquiries or disputes over the 'incorrect amount' if the final settlement is delayed or unclear.

Cardflo's solutions handle pre-authorisation and final capture processes efficiently, with clear communication to the card schemes to avoid customer dissatisfaction.

While AFDs primarily process consumer cards, Level 2 and Level 3 data (such as VAT amount, customer reference number, cost centre) are particularly important for fleet and commercial customers using corporate cards.

Providing this additional data can qualify transactions for lower interchange rates, reducing processing costs for the merchant. Cardflo's AFD processing solutions are designed to capture and transmit available Level 2/3 data ensuring merchants benefit from optimal interchange qualification.