Protecting Your Clover POS System from Refund Fraud: What Canadian Merchants Need to Know

What Is Refund Fraud?

Refund fraud typically involves unauthorized access to your POS system – either by physically stealing the device or using stolen credentials to process fake refunds. These scams can result in significant financial losses and compromise consumer trust.

Clover’s Built-In Security Features

Clover POS systems are designed with industry-leading security to help protect your business:

Encryption: All transactions are encrypted to safeguard sensitive data.
Tamper Resistance: Devices are built to detect and respond to physical tampering.
User Authentication: Only authorized users can access sensitive functions like refunds.

You’re in Control: Customizing Refund Permissions

Clover gives you full control over who can process refunds and how:

Disable refunds entirely for certain roles.
Set refund limits to prevent large unauthorized transactions.
Assign employee-level entitlements – so only trusted staff have access.

Smart Tips to Keep Your POS Secure

Here are five quick actions you can take today to boost your system’s security:

Use strong admin passcodes and change them regularly.
Limit access to trusted staff and assign roles carefully. Click here to learn more.
Treat your Clover device like cash – never leave it unattended.
Review transaction activity often to catch unusual behavior early.
Enable two-factor authentication on your Clover dashboard for an extra layer of protection.
Enable Secure Payment Flow mode to lock the Clover device into the payment screen, preventing card holders from accessing sensitive functions like manual card entry, refunds, or merchant-only settings.

Final Thoughts

Security isn’t just about technology, it’s about habits. By combining Clover’s robust features with smart operational practices, you can protect your business from refund fraud and build trust with every transaction.

At Clover we’re here to protect your business – every transaction, every day.

How can we help?

If you want to learn more about how Clover can help you accept payments, run your business and sell more, please contact your Clover Business Consultant. You can also follow us on Facebook and Instagram.

This information is intended solely for informational purposes and should not be interpreted as legal, financial, or tax advice. Readers are strongly advised to consult with their attorneys, financial advisors, or tax professionals to obtain guidance tailored to their specific circumstances.