What is the “banking terminal scam” that restaurateurs are victims of?


If the technique is not new, it is currently being emulated. Throughout the summer, the French press reported on a bank terminal scam. This process was first deployed on the occasion of the Cannes Film Festival before taking hold in the Pyrénées-Orientales.

A very effective scam

This maneuver has mainly affected restaurateurs, but it could just as well happen to another type of merchant. In concrete terms, criminals take advantage of a moment of inattention on the part of a server during payment to change their payment terminal to an identical machine. Unfortunately, the latter sees nothing but fire, and the device he has recovered is directly linked to the account of the crooks who recover all of the establishment’s receipts.

The deception only lasts a short time, but in the space of a few days, these scammers can recover substantial amounts, sometimes several tens of thousands of euros depending on the establishment concerned. Once the scam is spotted, it is unfortunately too late. The account is closed and the thugs are out of reach.

Last July, the gendarmerie had also sent valuable advice to traders: “ Restaurateur friends, consider personalizing your payment terminals with a small sticker or any type of mark to allow servers to ensure their security. However, no method is infallible, and vigilance is still required among all the professionals concerned.

Bank terminal scams are on the rise

This must also be the norm for customers, as another type of bank terminal fraud is currently targeting them. It is this time in the south-east of France that this scam was deployed last October, and more precisely in the cities of Cannes, Antibes, or even Le Cannet.

In detail, the scam is deployed according to a very precise operating mode. A person comes out of a supermarket, and an individual posing as a store employee introduces himself. He is then told that the cashier made a mistake and the customer is asked to re-enter his bank card code to benefit from an amount corresponding to an overpayment. But the payment still doesn’t work.

Never mind, the false employee withdraws the credit card and decides to go and settle this problem in the store. In reality, you will never see the color of supposed overpayment and an amount has just been withdrawn from your bank account.

Over time, this scam can be very lucrative for criminals, and in the case of a case on the Côte d’Azur, the total damage reached the tidy sum of 18,000 euros.

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