CNP Fraud Mitigation Framework

E-commerce participants encouraged to provide feedback on draft framework. 

Australian Payments Network, in collaboration with the e-commerce industry, has developed a draft framework to prevent card-not-present (CNP) fraud and is requesting feedback from e-commerce participants in Australia.

CNP fraud now represents almost 85% of all card fraud and costs the e-commerce industry close to half a billion dollars each year. AusPayNet has been working with its Members, merchants, the RBA, gateways and payment service providers to define an approach to reduce the level of CNP fraud in Australia.

The draft industry framework is designed to achieve this result while also building consumer trust to support continued growth in e-commerce. This framework does not include technical specifications or implementation guidelines, which will follow once we have received feedback on this document.

If you are an active participant in e-commerce and would like a copy of the framework, please submit your request and details via our Contact Form. We will email you with both a copy of the framework and a feedback form.

The consultation period commences on 17 August 2018, with responses required by Friday 28 September 2018. Responses should be captured in the feedback form and emailed to

Details of the approach and plan for implementation will be developed in consultation with industry stakeholders once the framework is finalised.

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For more information on our CNP fraud framework workshops or some of our other initiatives: