Division 19

Fraudulent e-money payment transactions are further split into fraud origins (i.e. ‘modification of a payment order by the fraudster’, ‘manipulation of the payer to make an e-money payment’ and ‘issuance of a payment order by the fraudster’, which is further broken down by ‘lost or stolen e-money card’, ‘e-money card not received’, ‘counterfeit e-money card’, ‘card details theft’ and ‘unauthorised e-money account transaction’).