In fact, I've been warning for the past few months about fraudulent transactions through PayPoint. Get the money first, I said. Get the money first, says PayPoint. Get the money first, says its literature. And every time I report on one of these frauds, my old mate Glyn Reece (Penny's in Chester) rings me up and has a howling rant. "Don't they read the ruddy manual? Don't they know that, just like asking for ID for fags or booze, it's a procedure that has to be followed?"

Okay, calm down, dear.

In the meantime, there have been various reports of card grifters (guy leaves you the card while he goes out to get the 'rest of the money' and you think you're home free because you have the card).

In the Weston Mercury it was reported that a shopkeeper was conned out of £350 after her 'customer' also asked for a mobile top-up, but then ran out of the store with the money. Within a few minutes the card (left in the shop) had been emptied and PayPoint was unable to reverse the transaction (the last transaction being a phone top-up).

I did agree a few weeks ago to give PayPoint a say on fraudulent transactions in general and spokesman Peter Brooker has sent me this: "I often say when responding to your readers' enquiries/complaints about fraudulent transactions that we regularly remind our retailers not to process transactions before they've taken and counted the money. One of the ways we do that is in our regular newsletter PayPointers which goes to every PayPoint agent every month or so. PayPointers covers subjects such as new schemes and retail services, operational changes and reminders about things such as banking schedules over bank holiday periods and security."

He sent me a copy of an item in the June issue of PayPointers, which reminded retailers how they can protect themselves against some of the most common types of fraud which 'customers' might try.

The tips included how to ID a real PayPoint rep, how to avoid being phone scammed, and the advice to always lock your terminal at night.

As a PS, I should add that I'm sure retailers would agree that it would be a superior terminal that would allow for reversing not just the last transaction, but the one before it, too.