--- title: "POS Terminal Fraud: How It Works and How to Protect Yourself" description: Apprenez à identifier la fraude sur les terminaux de paiement électroniques. Découvrez des stratégies efficaces pour sécuriser vos transactions. image: https://go.stancer.com/hubfs/article_article_fraude-tpe-comment-ca-marche-et-comment-s-en-premunir.avif --- [Skip to content](https://go.stancer.com/en/blog/business-management/pos-terminal-fraud-how-it-works-and-how-to-protect-yourself#main-content) ![](https://go.stancer.com/hs-fs/hubfs/Logo%20stancer@2x.png?width=300&height=46&name=Logo%20stancer@2x.png) - Products Show submenu for Products - [Online payment](https://stancer.com/fra/en/online-payment) - [Payment terminal](https://stancer.com/fra/en/payment-terminal) - [Tap to Pay on iPhone](https://stancer.com/fra/en/tap-to-pay-on-iphone) - [Payment link](https://stancer.com/fra/en/payment-link) - [Documentation](https://docs.stancer.com/en/) - [Pricing](https://stancer.com/fra/en/pricing) - [Blog](https://go.stancer.com/blog) Open main navigation Close main navigation - Products Show submenu for Products - [Online payment](https://stancer.com/fra/en/online-payment) - [Payment terminal](https://stancer.com/fra/en/payment-terminal) - [Tap to Pay on iPhone](https://stancer.com/fra/en/tap-to-pay-on-iphone) - [Payment link](https://stancer.com/fra/en/payment-link) - [Documentation](https://docs.stancer.com/en/) - [Pricing](https://stancer.com/fra/en/pricing) - [Blog](https://go.stancer.com/blog) - - [English](https://go.stancer.com/en/blog/business-management/pos-terminal-fraud-how-it-works-and-how-to-protect-yourself) - [French](https://go.stancer.com/blog/gestion-entreprise/fraude-tpe-comment-ca-marche-et-comment-s-en-premunir) - [Start now](https://signup.stancer.com/en/sign-up/) [Start now](https://signup.stancer.com/en/sign-up/) - [English](https://go.stancer.com/en/blog/business-management/pos-terminal-fraud-how-it-works-and-how-to-protect-yourself) - [French](https://go.stancer.com/blog/gestion-entreprise/fraude-tpe-comment-ca-marche-et-comment-s-en-premunir) Payment ![Terminal de paiement électronique, illustration des risques de fraude](https://go.stancer.com/hubfs/article_fraude-tpe-comment-ca-marche-et-comment-s-en-premunir.avif) Nicolas • 9 novembre 2026 • 4 min de lecture # POS Terminal Fraud: How It Works and How to Protect Yourself Learn how to identify fraud on electronic payment terminals. Discover effective strategies to secure your transactions and protect your business. Partager : Sommaire Newsletter ### Stay in the loop Get our latest articles and tips straight to your inbox. Transactions by electronic payment terminal (POS) have become common, offering a fast and convenient way to make payments. With the rise of this technology, POS-related frauds have also multiplied. In this article, explore the different forms of POS scams, their consequences for merchants, and practical tips to strengthen the security of your transactions. ## Understanding POS Fraud How to protect yourself from [payment terminal fraud](https://stancer.com/fra/en/payment-terminal)? To start, let's look at the most common frauds: ### 1. Identity Theft and POS Hacking Fraudsters can impersonate a legitimate merchant to exploit their POS information. Computer hacking is a common method where malicious software compromises the POS system to access sensitive data. ### 2. POS Replacement Some fraudsters go as far as replacing the merchant's POS with a compromised device. These forged devices record the payment card data of customers, exposing them to risks of fraud and money theft. ### 3. Impersonation of Technical Support Scammers can pose as maintenance technicians and install external hacking devices on the POS under the pretext of repairs. This can take the form of a reader, camera, keyboard, or other device. This method is used to obtain customers' bank card information through skimming or shimming. Skimming involves installing a device on the POS that records card data from its magnetic strip. Shimming, on the other hand, uses a more sophisticated device that records card data from its electronic chip. ### 4. Refunds Using Stolen Bank Cards Some individuals with bad intentions perform fraudulent refunds on POS terminals using the establishment's "merchant card." The merchant card authorizes sensitive operations such as refunds. This means that a person with access to the POS and the merchant card can refund amounts to any bank card. ### 5. Creation and Use of Fake POS Terminals Fraudsters can create fake POS terminals to collect bank card information. This type of scam is often used in environments where vigilance is lower. ## Consequences of POS Fraud for Merchants You may face several negative consequences in case of POS fraud: - Direct financial losses: Fraudulent transactions result in direct monetary losses. - Impact on business reputation: Customers may lose trust in a business that has been a victim of fraud, which can affect its long-term reputation. - Legal risks and associated responsibilities: You may be held liable for fraudulent transactions, leading to legal complications if your payment system is not sufficiently secure. ## How to Protect Yourself: Tips and Best Practices ### 1. Customize and Regularly Update Your POS Customizing the POS settings and maintaining regular software updates are essential to strengthen security and counter vulnerabilities. ### 2. Use a Secure and Reliable Payment Server A secure payment server is crucial to protect transaction data. You must ensure that your IT infrastructure is constantly monitored. As a general rule, it is advisable to order a payment terminal from a payment service provider. Choose a secure payment service provider, such as Stancer, which allows you to order your payment terminal in a simple, fast, and secure way. ### 3. Never Allow an Unknown Person Access to Your POS It is imperative to restrict access to the POS to trusted persons only and not to allow customers or individuals external to the company to touch it. Ideally, always keep an eye on the payment terminal during a transaction and do not leave it unattended in your store or on the counter during your opening hours. Vigilance is the key to preventing impersonation attempts. ### 4. Physically Protect Your POS It is important to install your POS in a secure location to prevent any unauthorized access. Anti-skimming devices can also be used to prevent fraudulent data capture. ### 5. Train and Educate Your Staff It is important to regularly train staff on the different fraud techniques and the signs to watch for. It is essential to establish internal control procedures to regularly verify transactions and detect any anomalies. By following these tips, you can reduce the risk of fraud and protect your business, your reputation, and your customers. Preventing fraud requires constant vigilance and adaptation to the new techniques used by fraudsters. ## Secure Your Transactions with Stancer Choose Stancer, a 100% French payment solution, to accept payments from your customers securely, both in-store and online. At Stancer, your security is our top priority, which is why we have implemented robust protection systems to protect you from fraud attempts: - Our payment terminals are compliant with the latest standards and certified PCI PTS 5.0. - We verify that the payer is indeed the cardholder with strong authentication (3D Secure). - We use algorithms to detect and block fraud attempts. - Your data and that of your customers are hosted in France and subject to the strictest data retention standards. Not yet a customer? [Sign up now](https://signup.stancer.com/en/inscription) on stancer.com. 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