Card fraud isn’t just a big-business problem. Small and medium-sized businesses are prime targets—especially during seasonal shifts when routines change and teams are distracted. With summer ending and September kicking off, now’s the perfect time to tighten your defenses and protect your company’s hard-earned money.
Why fraud spikes now
Fraudsters know when to strike—and they love moments of transition.
- Seasonal slowdowns mean fewer eyes on spending and approvals.
- Staff transitions during holidays can create monitoring gaps.
- Busy return periods (like post-summer) can overwhelm finance teams, letting small suspicious charges slip through.
Even one missed charge can open the door to larger fraudulent transactions.
How to spot the warning signs
Act fast if you notice any of these red flags:
- Transactions you don’t recognise, even if they’re small.
- Repeated declines for legitimate purchases.
- Unusual charges outside your typical business hours.
- Purchases from unexpected countries or merchants.
- Requests for password resets or account changes you didn’t make.
6 Ways to stay ahead of card fraud
1. Turn on real-Time alerts
With Pemo Corporate Cards, you’ll know the second a transaction happens—good or bad.
2. Set smart spend limits
Restrict card usage by merchant category, transaction size, or specific team members. Fraud attempts are easier to contain when limits are in place.
3. Freeze cards instantly
See something suspicious? Freeze the card right from your Pemo dashboard—no phone calls, no delays.
4. Monitor unusual patterns
A sudden spike in online purchases or charges from unexpected countries should raise red flags.
5. Educate your team
Train employees to recognise phishing emails and avoid entering card details on unsecured websites. Fraud prevention is a team effort.
6. Keep your vendor list clean
Regularly review and update your approved vendors. Remove inactive or unknown ones to reduce risk.
How Pemo keeps you safer
Pemo gives you:
- Full visibility into every card transaction as it happens.
- Customisable controls to stop suspicious activity in its tracks.
- Instant freeze/unfreeze so you’re never caught waiting.
- Built-in reporting so you can spot patterns and take action.
🔒 Don’t wait for fraud to happen.
Sign up to Pemo today to review your spend controls, set limits, and make sure your team is fraud-ready.
