Harvard units are increasingly accepting credit cards either over the web or via fax or telephone. Unfortunately that allows these units to be perfect targets for bankcard fraud. Scamsters are taking advantage of the fact that they can operate anonymously. They know that many of the credit card features that prevent fraud in the physical world do not apply in the card-not-present environment. We must understand that there is a greater need for protection against fraud exposure and associated losses. This is primarily because card-not-present merchants can be held financially responsible for a fraudulent transaction, even if the card Issuer has approved it. For information on securing credit card transactions, see the Information Security and Privacy Web site.