In addition to charges paid by the card holder, merchants should also pay interchange expenses to the card-issuing bank and the card association. Regardless of whether the cards were physically present, how the information required for the transaction was gotten, the explicit sort of card, when the transaction was settled, and the authorized and settled transaction amounts. Indeed, even with the implementation of such measures, credit card fraud keeps on being an issue. Representatives that are specialized in doing fraud checking and investigation are regularly placed in Risk Management, Fraud and Authorization, or Cards and Unsecured Business.