[{"data":1,"prerenderedAt":3172},["ShallowReactive",2],{"en-blog/company-credit-card-fraud":3,"en-global-content":836,"en-article-global-content":2263,"en-blog-article-more-articles-ab47ccd0-766d-403b-8b65-fa117ac38d2b":2527,"en-blog-article-more-articles-208733238":3167},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":824,"full_slug":825,"sort_by_date":59,"position":826,"tag_list":827,"is_startpage":29,"parent_id":828,"meta_data":59,"group_id":829,"first_published_at":830,"release_id":59,"lang":65,"path":59,"alternates":831,"default_full_slug":825,"translated_slugs":832},"Company credit card fraud: How to respond and recover","2022-10-24T15:45:44.635Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:28.936Z",208733238,"a26dcdef-bf38-4603-9c48-97d4dfcd31ca",{"_uid":11,"roles":12,"title":4,"author":13,"topics":75,"content":116,"noIndex":29,"category":785,"language":810,"component":798,"heroMedia":813,"sidebarCta":820,"publishedAt":821,"readingTime":822,"redirectUrl":23,"listingImage":823,"metaDescription":23},"48a0b62c-46f0-4b1b-8984-b7f3107b32dc",[],{"name":14,"created_at":15,"published_at":6,"updated_at":16,"id":17,"uuid":18,"content":19,"slug":57,"full_slug":58,"sort_by_date":59,"position":60,"tag_list":61,"is_startpage":29,"parent_id":62,"meta_data":59,"group_id":63,"first_published_at":64,"release_id":59,"lang":65,"path":59,"alternates":66,"default_full_slug":58,"translated_slugs":67,"_stopResolving":74},"Faustine Rohr-Lacoste","2022-10-19T17:35:55.545Z","2026-03-12T10:47:19.862Z",206165068,"d4a7ed1e-5d21-41fb-bb7c-2c248ea8e138",{"_uid":20,"name":14,"links":21,"picture":43,"lastName":45,"component":46,"firstName":47,"description":48},"679675f6-4bbb-4803-9de2-e5f8782359b3",[22,36],{"tag":23,"_uid":24,"icon":25,"link":30,"type":23,"label":23,"style":34,"component":35,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"","0b7430de-7fc4-469d-8538-693cf73ae98c",{"id":26,"alt":23,"name":23,"focus":23,"title":23,"filename":27,"copyright":23,"fieldtype":28,"is_external_url":29},4129791,"https://a.storyblok.com/f/146026/x/315bd7d0c7/ic_linkedin.svg","asset",false,{"id":23,"url":31,"linktype":32,"fieldtype":33,"cached_url":31},"https://www.linkedin.com/in/faustine-rohr-lacoste-47787393/","url","multilink","primary","cta",{"tag":23,"_uid":37,"icon":38,"link":41,"type":23,"label":23,"style":34,"component":35,"onClickEvent":23,"openInANewTab":29,"horizontalFill":29},"083f5ccf-d27f-49fa-a4e3-cae1940a4da4",{"id":39,"alt":23,"name":23,"focus":23,"title":23,"filename":40,"copyright":23,"fieldtype":28,"is_external_url":29},4129793,"https://a.storyblok.com/f/146026/x/9a557168a2/ic_twitter.svg",{"id":23,"url":42,"linktype":32,"fieldtype":33,"cached_url":42},"https://twitter.com/FaustineRL",{"alt":44,"name":23,"focus":23,"title":23,"filename":44,"copyright":23,"fieldtype":28,"is_external_url":29},"https://a.storyblok.com/f/146026/433x433/27a687f561/faustine-photo.png","Rohr-Lacoste","author","Faustine",{"type":49,"content":50},"doc",[51],{"type":52,"content":53},"paragraph",[54],{"text":55,"type":56},"Faustine is Head of Community at Spendesk. She is in charge of CFO Connect, a community of modern finance leaders.","text","faustine-rohr-lacoste","blog/author/faustine-rohr-lacoste",null,-60,[],176408854,"8e827db8-3c56-46b4-bc3a-d2cdb598ddc3","2022-11-02T15:26:18.586Z","default",[],[68,70,72],{"path":58,"name":59,"lang":69,"published":59},"fr",{"path":58,"name":59,"lang":71,"published":59},"de",{"path":58,"name":59,"lang":73,"published":59},"es",true,[76,97],{"name":77,"created_at":78,"published_at":6,"updated_at":79,"id":80,"uuid":81,"content":82,"slug":85,"full_slug":86,"sort_by_date":59,"position":87,"tag_list":88,"is_startpage":29,"parent_id":89,"meta_data":59,"group_id":90,"first_published_at":91,"release_id":59,"lang":65,"path":59,"alternates":92,"default_full_slug":86,"translated_slugs":93,"_stopResolving":74},"Payments security","2022-10-19T17:57:51.282Z","2026-03-12T10:47:22.885Z",206171407,"ab47ccd0-766d-403b-8b65-fa117ac38d2b",{"_uid":83,"name":77,"component":84},"36dd026a-a8fa-4948-8255-d0acc2f12807","tag","payments-security","blog/topic/payments-security",-110,[],176456153,"95fd2f9e-e99b-4240-b1d4-ad27449045e6","2022-11-02T15:24:53.807Z",[],[94,95,96],{"path":86,"name":59,"lang":69,"published":59},{"path":86,"name":59,"lang":71,"published":59},{"path":86,"name":59,"lang":73,"published":59},{"name":98,"created_at":99,"published_at":6,"updated_at":100,"id":101,"uuid":102,"content":103,"slug":105,"full_slug":106,"sort_by_date":59,"position":107,"tag_list":108,"is_startpage":29,"parent_id":89,"meta_data":59,"group_id":109,"first_published_at":110,"release_id":59,"lang":65,"path":59,"alternates":111,"default_full_slug":106,"translated_slugs":112,"_stopResolving":74},"Spend management","2022-10-19T17:57:54.407Z","2026-03-12T10:47:23.262Z",206171419,"f1ded6b1-7e22-4841-a982-4b97800ed612",{"_uid":104,"name":98,"component":84},"fba530b2-81a3-4b87-986d-708d05055369","spend-management","blog/topic/spend-management",-230,[],"485045be-15bb-4bad-be38-3403f2a4f645","2022-11-02T15:24:49.793Z",[],[113,114,115],{"path":106,"name":59,"lang":69,"published":59},{"path":106,"name":59,"lang":71,"published":59},{"path":106,"name":59,"lang":73,"published":59},{"type":49,"content":117},[118,129,133,141,145,155,159,170,177,188,196,248,270,275,283,301,320,331,339,345,349,367,376,381,390,400,405,415,424,428,433,437,459,468,473,477,486,491,495,505,509,514,522,549,553,558,580,589,602,686,696,701,709,724,734,739,743,758,766,770,778],{"type":52,"content":119},[120,122,127],{"text":121,"type":56},"For modern businesses, ",{"text":123,"type":56,"marks":124},"relying on a company credit card for day-to-day expenses makes sense - at least in the short term.",[125],{"type":126},"bold",{"text":128,"type":56}," You want to enable your staff to get out and do their thing, and the company plastic is a simple way to let them get the job done.",{"type":52,"content":130},[131],{"text":132,"type":56},"For most companies, this is option number one.",{"type":52,"content":134},[135,137],{"text":136,"type":56},"But as with so many things in the business world, the first thought is not always the best thought. Despite their continued popularity, ",{"text":138,"type":56,"marks":139},"standard-issue corporate credit cards carry a higher risk of fraud and misuse than other options.",[140],{"type":126},{"type":52,"content":142},[143],{"text":144,"type":56},"But what choice do you have?",{"type":52,"content":146},[147,149,153],{"text":148,"type":56},"Actually, you do have options that give ",{"text":150,"type":56,"marks":151},"companies control and security in managing their expenses, all while maintaining convenience and flexibility for staff.",[152],{"type":126},{"text":154,"type":56}," This means less stress around the details, and greater consistency and clarity in managing company expenses.",{"type":52,"content":156},[157],{"text":158,"type":56},"But first, the current state of play.",{"type":52,"content":160},[161],{"type":162,"attrs":163},"blok",{"id":164,"body":165},"96807e7f-7a8e-4627-af00-7f8b92d19711",[166],{"_uid":167,"html":168,"component":169},"d2f5c5cd-8c3a-492f-871f-03a52d8eeed8","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-1af98bc4-7442-4862-82e7-c26957a481bf\">\u003Cspan class=\"hs-cta-node hs-cta-1af98bc4-7442-4862-82e7-c26957a481bf\" id=\"hs-cta-1af98bc4-7442-4862-82e7-c26957a481bf\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/1af98bc4-7442-4862-82e7-c26957a481bf\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-1af98bc4-7442-4862-82e7-c26957a481bf\" style=\"border-width:0px;\" height=\"375\" width=\"750\" src=\"https://no-cache.hubspot.com/cta/default/2694209/1af98bc4-7442-4862-82e7-c26957a481bf.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, '1af98bc4-7442-4862-82e7-c26957a481bf', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":171,"attrs":172,"content":174},"heading",{"level":173},2,[175],{"text":176,"type":56},"Company credit cards - standard issue dinosaur",{"type":52,"content":178},[179,186],{"text":180,"type":56,"marks":181},"Standard-issue company credit cards",[182],{"type":183,"attrs":184},"link",{"href":185,"uuid":59,"anchor":59,"target":59,"linktype":32},"https://www.money.co.uk/credit-cards/what-is-a-business-credit-card.htm",{"text":187,"type":56}," have long been a favourite of new businesses. After all, they’re simple to obtain, relatively straightforward to use, and are a known quantity. Most banks offer a credit card facility as part of their standard business packages, with the end result being a mountain of company plastic floating around out there.",{"type":52,"content":189},[190,192],{"text":191,"type":56},"However, despite their ongoing popularity, ",{"text":193,"type":56,"marks":194},"the use of company credit cards involves juggling some significant security challenges:",[195],{"type":126},{"type":197,"content":198},"bullet_list",[199,210,220,230],{"type":200,"content":201},"list_item",[202],{"type":52,"content":203},[204,208],{"text":205,"type":56,"marks":206},"High trust:",[207],{"type":126},{"text":209,"type":56}," Giving your staff access to a company credit card means letting it out of your personal control. You may have all the faith in the world in your team, but as the common instances of company credit card abuse suggest, the temptation to misuse the company plastic is ever-present.",{"type":200,"content":211},[212],{"type":52,"content":213},[214,218],{"text":215,"type":56,"marks":216},"Delayed oversight:",[217],{"type":126},{"text":219,"type":56}," For many company credit cards, detailed billing particulars are provided only at the end of each month. This can make it a challenge to keep an eye on expense payments as they arise, and can result in nasty surprises down the track.",{"type":200,"content":221},[222],{"type":52,"content":223},[224,228],{"text":225,"type":56,"marks":226},"Risk of loss:",[227],{"type":126},{"text":229,"type":56}," Company credit cards can easily be misplaced or lost. At a minimum, this can result in a disruption to company purchases. At worst, it can result in intentional fraudulent misuse by an outside party.",{"type":200,"content":231},[232],{"type":52,"content":233},[234,238,240,246],{"text":235,"type":56,"marks":236},"Credit card fraud:",[237],{"type":126},{"text":239,"type":56}," Company credit cards carry a higher risk of fraud and misuse than alternative expense payment options, such as preloaded ",{"text":241,"type":56,"marks":242},"debit cards",[243],{"type":183,"attrs":244},{"href":245,"uuid":59,"anchor":59,"target":59,"linktype":32},"https://www.spendesk.com/en-eu/product/employee-debit-cards",{"text":247,"type":56},".",{"type":52,"content":249},[250,254,256],{"text":251,"type":56,"marks":252},"Related reading:",[253],{"type":126},{"text":255,"type":56}," ",{"text":257,"type":56,"marks":258},"Protecting your business from procurement fraud",[259],{"type":183,"attrs":260},{"href":261,"uuid":262,"anchor":59,"target":263,"linktype":264,"story":265},"/blog/procurement-fraud","01da4027-ae7f-4170-b556-0dc3cfb26d74","_self","story",{"name":266,"id":267,"uuid":262,"slug":268,"url":269,"full_slug":269,"_stopResolving":74}," Protecting your business from procurement fraud: Best practices and red flags",647863426,"procurement-fraud","blog/procurement-fraud",{"type":171,"attrs":271,"content":272},{"level":173},[273],{"text":274,"type":56},"Responding to credit card abuse - what should you do?",{"type":52,"content":276},[277],{"type":278,"attrs":279},"image",{"id":59,"alt":280,"src":281,"title":59,"source":59,"copyright":59,"meta_data":282},"company-fraud-reaction","https://get.spendesk.com/hubfs/company-fraud-reaction.jpg",{},{"type":52,"content":284},[285,287,291,293,299],{"text":286,"type":56},"Despite the best of intentions, ",{"text":288,"type":56,"marks":289},"credit card fraud can and does occur everyday.",[290],{"type":126},{"text":292,"type":56}," In 2018, ",{"text":294,"type":56,"marks":295},"£1.2 billion was stolen",[296],{"type":183,"attrs":297},{"href":298,"uuid":59,"anchor":59,"target":59,"linktype":32},"https://www.ukfinance.org.uk/system/files/Fraud%20The%20Facts%202019%20-%20FINAL%20ONLINE.pdf",{"text":300,"type":56}," through fraud and scams in the United Kingdom, according to UK Finance. And a further £1.6 billion in losses were prevented.",{"type":52,"content":302},[303,305,311,313,318],{"text":304,"type":56},"In the United States, ",{"text":306,"type":56,"marks":307},"the losses in 2018",[308],{"type":183,"attrs":309},{"href":310,"uuid":59,"anchor":59,"target":59,"linktype":32},"https://www.fool.com/the-ascent/research/identity-theft-credit-card-fraud-statistics/",{"text":312,"type":56}," were $6.1 billion, which was actually ",{"text":314,"type":56,"marks":315},"down",[316],{"type":317},"italic",{"text":319,"type":56}," from $6.4 billion in 2017, according to Fool.com.",{"type":52,"content":321},[322,324,330],{"text":323,"type":56},"So if you're going to use company credit cards, fraud will always be a concern. At a minimum, you should ensure every member of your team is aware of the risk of fraud, and ",{"text":325,"type":56,"marks":326},"take the necessary steps to prevent it",[327],{"type":183,"attrs":328},{"href":329,"uuid":59,"anchor":59,"target":59,"linktype":32},"https://smallbusiness.chron.com/can-business-prevent-credit-card-fraud-1524.html",{"text":247,"type":56},{"type":52,"content":332},[333,335],{"text":334,"type":56},"If you suspect your company credit card has been misused, ",{"text":336,"type":56,"marks":337},"consider the following steps:",[338],{"type":126},{"type":171,"attrs":340,"content":342},{"level":341},3,[343],{"text":344,"type":56},"First, call your bank",{"type":52,"content":346},[347],{"text":348,"type":56},"Contact your bank as soon as possible, and be ready with the necessary particulars concerning your account. It pays not to delay here - the longer the card remains valid, the longer your company may be exposed to fraudulent spending.",{"type":52,"content":350},[351,353,359,361,365],{"text":352,"type":56},"From ",{"text":354,"type":56,"marks":355},"The Financial Diet",[356],{"type":183,"attrs":357},{"href":358,"uuid":59,"anchor":59,"target":59,"linktype":32},"https://thefinancialdiet.com/5-things-people-dont-know-credit-card-fraud-6-ways-protect-2/",{"text":360,"type":56},": \"Every bank and credit card company is going to have different rules for this, but the sooner you speak up about an incorrect transaction on your credit card statement, the better. If you don’t notice a fraudulent transaction until six months later, chances are it’s too late to dispute it. ",{"text":362,"type":56,"marks":363},"Depending on the type of incorrect transaction, you might only have 60 days to submit a dispute",[364],{"type":126},{"text":366,"type":56},".\"",{"type":52,"content":368},[369,371,375],{"text":370,"type":56},"Your bank may offer credit card fraud insurance cover, but will expect you to ",{"text":372,"type":56,"marks":373},"provide prompt notification concerning the suspected fraud",[374],{"type":126},{"text":247,"type":56},{"type":171,"attrs":377,"content":378},{"level":341},[379],{"text":380,"type":56},"Check other company accounts for signs of potential fraud",{"type":52,"content":382},[383,385,389],{"text":384,"type":56},"It may be the case that the fraudulent spending was limited to a single credit card, and - hopefully - a contained number of transactions. However, one instance of credit card fraud ",{"text":386,"type":56,"marks":387},"could be a sign of other fraudulent activities taking place elsewhere",[388],{"type":126},{"text":247,"type":56},{"type":52,"content":391},[392,394,398],{"text":393,"type":56},"Be on the safe side, and be sure to ",{"text":395,"type":56,"marks":396},"check other company accounts",[397],{"type":126},{"text":399,"type":56}," for any signs of irregular or unauthorized spending.",{"type":171,"attrs":401,"content":402},{"level":341},[403],{"text":404,"type":56},"Identify the fraudulent party",{"type":52,"content":406},[407,409,413],{"text":408,"type":56},"If you yourself made online purchases using the credit card, it may not be an option for you to identify the fraudulent party right away. If you’ve shared the card around the office, it’s possible ",{"text":410,"type":56,"marks":411},"one of your team may be responsible for the breach",[412],{"type":126},{"text":414,"type":56},". In this case, you’ll need to do what you can to establish who is responsible.",{"type":52,"content":416},[417,419,423],{"text":418,"type":56},"Management and human resources can then ",{"text":420,"type":56,"marks":421},"consider the relevant disciplinary steps",[422],{"type":126},{"text":247,"type":56},{"type":52,"content":425},[426],{"text":427,"type":56},"Of course, if the breach hasn't come from within the organisation, there's not much you can do to identify the people responsible. In which case, you may also need to do the following:",{"type":171,"attrs":429,"content":430},{"level":341},[431],{"text":432,"type":56},"Call the police",{"type":52,"content":434},[435],{"text":436,"type":56},"Hopefully your bank will give you guidance here. If you see continued fraudulent activity, it's usually best to notify the authorities.",{"type":52,"content":438},[439,445,447,451,453,457],{"text":440,"type":56,"marks":441},"As Credit Karma explains",[442],{"type":183,"attrs":443},{"href":444,"uuid":59,"anchor":59,"target":59,"linktype":32},"https://www.creditkarma.com/credit-cards/i/credit-card-fraud-victim/",{"text":446,"type":56},", \"if you notice multiple credit cards or financial accounts being used without your knowledge, ",{"text":448,"type":56,"marks":449},"contact the major credit bureaus to alert them and request a",[450],{"type":126},{"text":452,"type":56}," ",{"text":454,"type":56,"marks":455},"credit freeze",[456],{"type":126},{"text":458,"type":56},". This can help stop criminals from doing further damage, like opening up a new credit card.\"",{"type":52,"content":460},[461,463,467],{"text":462,"type":56},"Then, file a police report and see what further steps they plan to take. Obviously, you want to ",{"text":464,"type":56,"marks":465},"be sure there's actual fraud before you take this step",[466],{"type":126},{"text":247,"type":56},{"type":171,"attrs":469,"content":470},{"level":341},[471],{"text":472,"type":56},"Contact your insurer",{"type":52,"content":474},[475],{"text":476,"type":56},"This depends on the nature of your insurance, and whether or not you have cover for credit card fraud. If you do, your insurance company will advise you on the process for making a claim, including the documentation required, the amount able to be recovered, and the timeline for payment.",{"type":52,"content":478},[479,481,485],{"text":480,"type":56},"Payouts for credit card fraud ",{"text":482,"type":56,"marks":483},"may also affect your company’s future insurance premiums",[484],{"type":126},{"text":247,"type":56},{"type":171,"attrs":487,"content":488},{"level":341},[489],{"text":490,"type":56},"Update software and passwords",{"type":52,"content":492},[493],{"text":494,"type":56},"Generally speaking, it's always best to keep your software up to date. Many updates bring crucial security patches, without which you may be open to attacks.",{"type":52,"content":496},[497,503],{"text":498,"type":56,"marks":499},"The Money Advice Service",[500],{"type":183,"attrs":501},{"href":502,"uuid":59,"anchor":59,"target":59,"linktype":32},"https://www.moneyadviceservice.org.uk/blog/what-is-credit-card-fraud-how-prevent-it",{"text":504,"type":56}," writes, \"Make sure you keep your computer and mobile phone software up-to-date. Use secure websites. You can spot more secure sites by looking at the start of the web address. Those that start ‘https’ are more secure than the ones that start ‘http’.\"",{"type":52,"content":506},[507],{"text":508,"type":56},"And of course, \"always log out of your bank account and website accounts, especially when you’re using a public computer.\"",{"type":171,"attrs":510,"content":511},{"level":173},[512],{"text":513,"type":56},"Getting back to normal after corporate credit card fraud",{"type":52,"content":515},[516,520],{"text":517,"type":56,"marks":518},"Getting back on track following credit card fraud can be tricky.",[519],{"type":126},{"text":521,"type":56}," Depending on the particular circumstances, your company's credit facility will likely need to be suspended pending the issue of a new card or cards.",{"type":52,"content":523},[524,528,530,534,536,547],{"text":525,"type":56,"marks":526},"This can involve significant delays, as well as disrupting bill payments and automated expenses.",[527],{"type":126},{"text":529,"type":56}," In the meantime, your team may need an ",{"text":531,"type":56,"marks":532},"alternative way to cover work expenses",[533],{"type":126},{"text":535,"type":56},", such as ",{"text":537,"type":56,"marks":538},"paying from their own funds",[539],{"type":183,"attrs":540},{"href":541,"uuid":542,"anchor":59,"target":59,"linktype":264,"story":543},"expense-advance-employees","74f1bf9b-09e3-4a97-a3e3-435344bd0d73",{"name":544,"id":545,"uuid":542,"slug":541,"url":546,"full_slug":546,"_stopResolving":74},"Prepaid expenses: how to handle employee expense advances",208729882,"blog/expense-advance-employees",{"text":548,"type":56}," and being reimbursed. This can be a pain.",{"type":52,"content":550},[551],{"text":552,"type":56},"In most cases, you’ll need to re-establish automated payments and provide the details of any new credit cards to the previous payees. 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