Old Receipt Reuse Fraud
How fraudsters reuse old, genuine bank receipts to claim they've made a new payment.
Verify a receipt nowHow old receipt reuse works
This is the hardest fraud to detect because the receipt is genuine. It exists in the bank's system, the amount is correct, and the sender name matches. The only thing wrong is the date. A fraudster made a real payment months ago, kept the receipt, and now presents it to a different merchant or a different staff member as proof of a new payment.
Why this fraud is dangerous
Old receipt fraud bypasses naive verification. If you only check whether the receipt exists (verified=true) without checking the date, you'll accept it. This is why cheki always returns the transaction date as part of the result. You should always compare the date on the receipt to today's date.
- The receipt is genuine and will verify against the bank's system
- Only the date reveals the fraud
- Fraudsters target businesses with high staff turnover or poor record-keeping
- The same receipt can be reused multiple times with different staff members
How to prevent old receipt fraud
Always check the transaction date when verifying a receipt. cheki returns the date in the verification result. Implement a policy of only accepting receipts dated today. For high-value transactions, also log the reference number so you can detect if the same receipt is presented twice.
- Check the date field in cheki's verification response
- Only accept receipts with today's date
- Log accepted reference numbers to detect duplicates
- Train staff to check dates, not just verification status
- Use the batch API at end of day to re-verify all accepted receipts
Frequently asked questions
What is old receipt reuse fraud?
A fraudster takes a genuine receipt from a past transaction (maybe weeks or months old) and presents it as proof of a new payment. The receipt is real and will verify against the bank's system, but the payment happened in the past, not today. The merchant releases goods for a payment that was already used for a previous purchase.
How do I detect an old receipt?
Always check the transaction date when you verify a receipt. cheki returns the date as part of the verification result. If the date is from days, weeks, or months ago, the receipt is being reused. Only accept receipts with today's date.
Can someone reuse a receipt from the same day?
Yes. A fraudster might make a genuine payment to you in the morning, get the receipt, then present the same receipt to a different staff member in the afternoon claiming it's a new payment. This is why you should track which reference numbers you've already accepted.
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