Please retry or come inside to place the order. Be sure that you are upfront with the amount on the card, the date the balance must be used by if any , and any fees that may be charged as a result of purchase. Can I choose to redeem rewards during a later transaction? Chick-fil-A gift cards are not refundable due to compliance with federal and state regulations governing the issuance and sale of gift cards.
The crooks have found a way to rob you of your gift card balance. If you buy Gift Cards from a display rack that has various store cards you may become a victim of theft.
Crooks are now jotting down the card numbers in the store and then wait a few days and call to see how much of a balance THEY have on the card. You may want to purchase your card from a customer service person, where they do not have the Gift Cards viewable to the public. As bogus as this may sound, it can actually happen. Gift cards have a unique number in a magnetic strip that is used to track usage and outstanding balances.
Now imagine that a scammer comes into a store that displays gift cards on public racks such as Wal-Mart with a small and inexpensive mag-strip scanner in his pocket. This scanner can easily read and store the unique gift card serial numbers.
So, the scammer simply grabs some of these gift cards from the rack, finds a quiet place and quickly scans each card to get its unique serial number. They then put the cards back or leave them somewhere in the store since they are done with them. The crook can simply copy the unique numbers by hand on a pad of paper. However, this is much more time consuming. Depending on the gift card packaging, this can be very easy to accomplish or the crook might need to pry the gift card from its base and then carefully reposition it back after stealing the number.
How does the scammer know which gift cards have been charged? Every few days, he simply calls the gift card phone number and enters the unique numbers to find out which cards have been charged — and what the remaining balances are. Regardless, it is important for both merchants and customers to know how gift card fraud occurs, so they can recognize the behavior and protect themselves.
There are many ways to commit fraud using gift cards and they are very alluring, for many reasons. The dollar amounts on each individual transaction are relatively small and not enough to garner the attention of large law enforcement agencies that have the ability to catch the perpetrators.
If the auto-load feature is turned on, within seconds, a cybercriminal can quickly rack up charges and start the process of moving money off the compromised gift card account. Another common route is using gift cards to quickly monetize the value in other hacked accounts, such as credit card rewards programs or hotel points. Gift cards work essentially the same as credit cards with a mag stripe—the gift card number is printed on the card for manual key entry and is also encoded on a mag stripe on the back of the card.
Gift cards may or may not have an additional level of security, a PIN number covered with a coating, similar to a lottery ticket, that needs to be scratched off. Some merchants, such as Starbucks, do not require the customer to enter in a PIN number when using the card. Other merchants do use PIN numbers, which offers an additional layer of protection — the redeemer needs to have the physical card in possession in order to use it.
Gift cards are not usable until they are activated at the cash register. In many stores, gift cards are sitting out in an accessible place.
People have been known to steal a stack of cards, bring them home, write down the numbers or script it out using a mag stripe reader and then sneak them back into the store and place them on the shelf.
Brazen criminals can write down or take pictures of the numbers down right in the store. When they are, transferring balances to another card or converting into cash by using a third-party redeemer drains the balances out.
There are no reported incidents of POS skimmers used to grab gift card numbers, but this attack would work as well. The addition of a PIN number can delay a fraudster, but not deter them entirely.
They can scratch off the coating, revealing the PIN and replace it with a new sticker easily purchased from eBay. This type of fraud is fairly low-level and does not result in a huge loss to the merchant, but is quite a shock to the customer when the recipient of a gift card tries to redeem it and finds that the balance is zero. Some retailers will reimburse the customer with the face value of the gift card, but this ends up being a reputational hit for the retailer, as well as a headache for the consumer.
Slightly more difficult, but much more rewarding, is to acquire gift card numbers in bulk from the issuers, merchant, reward redemption program, etc. This can be done through a multitude of methods, including phishing, SQL injection, social engineering and accidental disclosure.
To check the balance on your Gift Card/eVoucher please call * in the UK or in the ROI. Alternatively you can check your balance in any one of . Next Gift cards and E-Vouchers are redeemable online at the Next website, however only for orders sent to the Next account holder’s address (if you want to send your order as a gift to someone else, you will have to pay by another method). Show My Balance Please enter your Gift Card Number and Online Access Code below to check the current balance on your Gift Card.