National Credit Card Center of R.O.C

Fraud Prevention Operation

To monitor fraud transactions by merchants, NCCC has utilized prevention systems and statements with parameters preset and expert interpretation as a monitoring tool to identify abnormal activities and proceed with investigations. For merchants that are verified to have violated the merchant contract, NCCC will take actions of education, warning, listing for control, or terminating the merchant contract according to the severity of such violations, to supervise such merchants for making improvements. In addition, as the credit card fraud reporting center, NCCC provides a fraud transaction information reporting platform that consolidates information from international card associations and credit card issuers, and establishes a joint defense system with an information-sharing mechanism to benefit effective risk control in the domestic credit card transaction.

《Business Scope》
For NCCC’s merchants, NCCC implements effective monitoring and management system, consolidates, and sends fraud analysis to credit card institutions for effective information management, so as to jointly create a secure credit card transaction environment in Taiwan.

《Operating Results》
(I). Risk Merchant Control and Credit Card Confiscation：

Number of Risk Merchants Investigated: The number of cases investigated taken place in 2025 totaled 533, an increase of 86 from 447 in 2024.
Number of Risk Merchants Listed for Control: The number of merchants listed for control in 2025 totaled 263, an increase of 77 from 186 in 2024.
Number of Risk Merchants Canceled: The number of merchants canceled in 2024 totaled 77, a decrease of 7 from 84 in 2024.
Number of Cards Confiscated by Merchants: The number of cards confiscated by merchants in 2025 totaled 391, a decrease of 157 from 548 in 2024.

(II). Analysis on Fraud Transaction Categories Reported by Domestic Card Issuers

Total amount of fraudulent transactions reported by domestic card issuers: NT$2,531,454,459 (not the actual amount of loss).

With the popularization of online transactions and mobile payments, SMS fraud and social media attacks remain the main sources of credit card data leakage, and the risk of card fraud is thus derived.

As for the fraud transaction categories, “Mail Order/Telephone Order/E-Commerce (MOTO/EC)” remained the predominant category, accounting for 91.95% of the total reported credit card fraud transaction amount, followed by “Others” of 4.49% and “Stolen Cards” of 2.09%, while fraud in other categories accounted for smaller proportions. Under the effect of cases in which the cardholder was scammed (catfishing) during the year, the category of “Others” reported by card issuers increased as compared to the preceding year (accounting for 0.36%).

Remarks: (In accordance with the standards of the International Card Associations’ Fraud Reporting Classification)

(1) Lost card: Card lost and found used fraudulently.
(2)Stolen card: Card stolen and used fraudulently.
(3)Card not received: New/renewed card intercepted during mail and used fraudulently.
(4)Fraudulent application card: Card applied and used fraudulently without authorization from the genuine cardholder.
(5)Counterfeit cards: Card counterfeited without authorization from the card issuer and used fraudulently.
(6)MOTO/EC: Non-face-to-face transactions made without authorization from the genuine cardholder.
(7)Others: Other types of fraud not listed above.