These days' people tend to make their payments using their credit or debit card. Everything is done electronically and though we may still use cash as a form of payment, we also rely heavily on making transactions via our cards or internet transfer. The only problem with this kind of transaction is that there is very little in terms of validating the payment details and the authorisation of the payment. These payments are being made automatically; from one bank to another therefore there is no guarantee that details provided by the payer are valid. Read more...