Pay attention at the back – this is a good warning. Just because your Worldpay terminal gives you an authorisation code when you swipe a credit card, it doesn’t necessarily mean that the transaction isn’t fraudulent. Daksha Ruparel, who runs a Londis at Alperton, North London, with her husband, thought she had lost out to the tune of £130.

Here was the scenario. A ‘customer’ comes in, makes purchases, offers card to staff. Staff swipes card, authorisation code comes up so he completes the transaction after having asked to see ID and checking the signature against it. This happened in May.

Then Worldpay informed the business that the real owner of the card had disowned the purchase and therefore there would be a chargeback and £130 would be debited.

Here’s one clue: at the bottom of the receipt was the term ‘keyed’, although the staff did not key in the number on the card; it was swiped. The term ‘keyed’ means ‘customer not present’.

So this was some very cleverly doctored card.

Worldpay commented: “We cannot comment specifically on this matter as conversations are ongoing. We take the risk of fraud seriously and are committed to helping small businesses understand how they need to act to minimise fraud. In the event that a fraudulent payment occurs, we work hard to avoid small businesses being left out of pocket wherever we possibly can.”

And they are giving her the money back.