MOL Group Cards

Development of cashless payment tools

The use of cashless payment tools and techniques have become increasingly important in recent years. As a result, also the use of fuel cards and contactless toll payment devices is growing steadily across Europe.

These devices provide a convenient, cashless payment option for drivers of road transport companies to fund highways, road sections tolls, and refueling. At the same time, they allow fleet managers to have greater control and restrictions on drivers / vehicles, on the type of purchases, number of transactions, frequency, and location.

Increased risk of frauds

However, the increased use of these tools has also attracted the interest of fraudsters and increased the risk of fraud. The number of fraud incidents has increased significantly across Europe in recent years, as more and more transactions take place online and the value of each transaction increases.

Criminals are also using increasingly sophisticated techniques to obtain data from cards and billing devices. Considering this, it is particularly important for companies to pay proper attention to fraud prevention – on both fleet management and driver level.

Areas and types of fraud cases

Types of fraud cases
Without the need for full detail - from the point of view of participants - we can distinguish between external and internal offenses (third-party, criminals or involvement of the card user/owner).

• Fraud:
  • Hidden skimmed or copied card /card data (at corrupted pump card readers, portable skimmers are used at truck-stops, rest stops, cafes frequented by Haulage companies)
  • Lost and stolen card fraud (with PIN or easy PIN, stolen cards might be used fraudulently)
• Card misuse
  • Site collusion: charging more for the fuel, or paying without a real transaction behind - it assumes cooperation between driver and fuel station staff
  • Driver collusion: driver actively sells the card details to the fraudster
  • Misuse: when employees use company’s resources for personal purchase (refuel a personal vehicle or a friend’s or family member’s vehicle paid by company fuel card).
  • Slippage: when an employee uses corporate resource for a non-authorized product (e.g. fuel card for food and beverages however the card is not valid to pay for these items, and falsely reported as fuel purchase).

Prevention / Protection

We, the card issuing companies, do everything we can to protect fuel cards, we cooperate with international associations, police, partners to achieve the highest levels of security. But it is very important to emphasize that the card holders / users also have a high responsibility for the safe handling of cards.

We would like to help our Partners use fuel cards safely, so we've summarized the most important information, tasks, and steps which are worth keeping in mind and doing to minimize potential fraud, misuse of MOL fuel cards.

TIPS & HINTS

A FUEL CARD SHOULD BE HANDLED AS CAREFULLY AS A BANK CARD Protect your cards as if they were cash. Keep an eye on your card when doing a transaction. Take your receipt and save it. Never use a suspicious card swipe that looks like it has been tampered (by loose or extra parts attached to the machine, adhesive tape, or glue residue).

PIN CODES SHOULD BE HANDLED SAFELY, PROPERLY Always keep the Fuel card and PIN code in a safe place and keep them separate. Never write, stick your PIN code on the card, do not store your card and PIN code in the same place. Never share your PIN code with a third party. Change your PIN from time to time (molgroupcards.com/occ). If there is a change in the person using the card, change the PIN code of the card. Please keep the Online Card Center users’ data constantly updated and block the access for users who are no longer competent.

GUARD IT Physically protect the cards from unauthorized persons. Report the loss of your fuel card immediately and disable it as soon as possible. If you experience an illegal refueling / purchase with your fuel card report it. Never lend your card to anyone. Cut up the old card when the new one arrives Don’t lose sight of it at payment

LIMIT THE USAGE OF CARDS ACCORDING TO YOUR COMPANY’S NEEDS. Limit fuel card usage settings for products, services that are appropriate for your shopping habits, or important for your business continuity. Use daily, weekly, and monthly limits – modify it by changing the needs. If you are not planning to visit certain countries apply country restrictions. Never share your card settings (e.g. card limit) with third parties. These settings can be managed via the Online Card Center (molgroupcards.com/occ). When a previous card user leaves, ask for the card back or disable the card.

REVIEW THE CARD ACTIVITY REGULARLY Use the online transaction report on a regular basis to retrieve uninvoiced purchases. Regular monitoring of these reports (molgroupcards.com/occ) may help to eliminate refueling and purchases that differ from your shopping habits. Know what normal looks like – fuel usage and spending should be largely consistent for each route. Look for purchases that do not match driving activity.

EDUCATE DRIVERS TO CAREFULLY PROTECT THE FUEL CARDS Print out rules of PIN and card handling for drivers. Make clear what the consequences will be for fuel card misuse and fraud. It is important to highlight those abuses and fraud are illegal and may justify termination. They should understand the terms and sign an acknowledgment of the training. Train your drivers to inspect readers. Any signs of tampering, like a broken sticker seal around the reader, should warn a driver to choose another pump. Drivers should use pumps close to the station in high visibility areas whenever possible.

Online Card Centre (OCC)

MOL Group Cards ultimate platform will assist you to manage for checking and controlling your company’s fueling costs, will help you in PIN management, card setting, ordering, blocking, reporting. Visit OCC and make your daily checking, settings (molgroupcards.com/occ).