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Dojo warns of AI fake receipts fuelling refund fraud

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JOSEPH GABRIEL LAGONSIN

News Editor

Dojo has warned that fraudsters are using AI-generated receipts to secure refunds from retailers, with online searches for such tools rising sharply.

Data cited by the payments company showed global Google searches for “AI-generated receipts” rose by 2753% over the past year. It also referenced findings from Cifas showing that AI-manipulated documents now account for more than 20% of falsified evidence used in UK refund and chargeback disputes, where total fraud cases exceeded 444,000 last year.

The issue centres on fake proof-of-purchase documents created with generative AI tools. These can mimic real receipts with retailer logos, item lists, timestamps and transaction numbers, making them hard for frontline staff to distinguish from genuine records during refund checks.

According to the figures cited, about one in 10 UK returns is already estimated to be fraudulent. AI-generated imagery is adding pressure to return, refund and replacement processes, particularly where staff rely on uploaded documents rather than direct checks against payment records.

A Dojo spokesperson said AI receipt generators are making it easier for fraudsters to create convincing fake proof of purchase.

“With just a few clicks, they can produce receipts that mirror real store formats, complete with logos, item lists, timestamps and transaction IDs. As many return systems rely on documentation rather than transaction-level checks, these AI-generated receipts often go unnoticed, allowing fraudulent refunds to slip through even well-established defences.”

Risk areas

Several sectors appear more exposed than others. Dojo identified eCommerce and digital-only retail, fast-food and quick-service restaurants, consumer technology, ride-share and on-demand travel, food-delivery platforms, luxury goods, telecoms and financial services as industries where interest in receipt generators suggests higher fraud risk.

The assessment was based on Google search patterns for brand-specific receipt generator terms. Separate Experian data for 2025, cited by Dojo, indicated that 62% of digital-only retailers, 48% of retail banks and 44% of telecom providers reported AI-related fraud attempts.

Those sectors share several features that can make them targets for document fraud. High transaction volumes, automated customer service systems and digital templates that are relatively easy to imitate can create openings for false refund, return or reimbursement claims.

Checks advised

To limit exposure, Dojo urged businesses to verify submitted receipts against actual transaction records. Checks on timestamps, payment amounts and transaction IDs remain the most reliable way to identify fabricated documents.

It also recommended adding QR codes, barcodes or other unique markers to receipts so staff can trace a claim back to a live record in the merchant’s system. For higher-risk categories such as expensive electronics, digital-only purchases and goods commonly resold online, retailers should apply stricter refund rules and require further verification before approving a claim.

Another step is staff training. Frontline workers can be taught to spot repeated textures, irregular spacing, mismatched metadata, incorrect store formats and impossible timestamps, all of which may indicate that a receipt or supporting image has been artificially generated or altered.

Behavioural monitoring is also part of the advice. Repeated refund requests from the same device or location, multiple claims in a short period, or unusual patterns in customer activity can help investigators identify serial abuse even when the documents appear plausible.

Dojo also advised businesses to consider AI-based fraud detection systems that examine images and documents for signs of manipulation, including synthetic text, altered pixels and inconsistencies that may not be visible to staff reviewing claims manually.

The warning reflects a broader shift in fraud methods as generative AI tools become easier to access. For merchants, the challenge is no longer limited to spotting obvious forgeries, but to checking whether documents submitted in routine customer service interactions match real transaction data held in their own systems.



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Rosa’s Thai is giving away 4000 free Pad Thais to students

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Celebrating both GCSE and A-Level Results Days, the chain will offer the popular dish to students who buy one of its bubble teas.

The free offer is available at all 42 Rosa’s Thai restaurants across England and Wales.

To avail of the free noodles, students need to register on Rosa’s Thai website for a unique code, which they should present at the restaurant together with a copy of their results.

Rosa’s Thai has a new range of bubble tea flavours, including Ube-Taro, Matcha-Coconut, Mango Sticky Rice, and Milo Chocolate Milk, as well as favourites like Home-brewed Thai Tea with Tapioca, and Lychee Mango with mango boba.

Students can sign up for their free Pad Thai at rosasthai.com/result-day-free-pad-thai and find their nearest restaurant at rosasthai.com/locations.





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Historic coin company enters administration after 20 years

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The London Mint Office, which distributes commemorative coins and medals, appointed administrators on July 31 after 20 years in business.

The company’s website now displays a message confirming the appointment of Michael Magnay and Jonny Marston of Alvarez & Marsal Europe LLP as joint administrators.

A spokesman for Alvarez and Marsal said: “On July 31 2026, Michael Magnay and Jonny Marston of Alvarez & Marsal Europe LLP were appointed as Joint Administrators of The London Mint Office Limited in administration (the “Company”).

“Regrettably, the Company’s liquidity challenges have led to a number of immediate redundancies. We are supporting the affected employees through the redundancy process.


What Happens When a Company Goes Into Administration?


“The affairs, business and property of the Company are being managed by the Joint Administrators who act as agents of the Company and without personal liability.”

The announcement confirms that it is no longer possible to purchase coins or medals through the company’s website.

The London Mint Office operates a distribution centre in Tonypandy, Rhondda Cynon Taf, where it employs a significant number of people.

Administration is a formal insolvency process triggered when a business cannot meet its financial obligations.

An insolvency practitioner is appointed to manage the company’s affairs and may attempt to restructure the business or sell off assets to repay creditors.


What happens when a company goes into Liquidation?


Founded in 2006, The London Mint Office describes itself as “one of the UK’s most trusted suppliers of historic, commemorative, and collector coins.”

It is part of Samlerhuset AS, a Norwegian company based near Oslo and one of Europe’s largest distributors of commemorative coins and medals.

Samlerhuset’s website states that it offers “provide a wide range of coins from ancient to modern, originating from virtually every country in the world.”

The London Mint Office has advised anyone with an interest in the company’s assets to contact the administrators at INS_THLMOL@alvarezandmarsal.com.





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Warning of new rules for Aldi and Lidl after watchdog review

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The Competition and Markets Authority (CMA) has provisionally decided that both discounters should be added to the Groceries Market Investigation (Controlled Land) Order 2010, which currently applies to Asda, Co-op, Marks and Spencer, Morrisons, Sainsbury’s, Tesco, and Waitrose.

This order is designed to prevent large grocery retailers from using land agreements to block competitors from opening nearby stores, often through restrictive covenants or exclusivity terms.

Juliette Enser, executive director of competition enforcement and markets at the CMA, said: “We want everyone to have the best choice of supermarket and range of prices when buying their groceries.

“To ensure this happens, we put rules in place to prevent big supermarket chains blocking rival stores from opening nearby – and now we propose applying those rules to Aldi and Lidl too.

“This is about allowing shoppers to choose where they spend their money and levelling the playing field for all major supermarkets.

“Today’s proposals are provisional and we welcome views before deciding the best way forward.”

The CMA’s review found that Aldi, Lidl GB, and Lidl NI now meet the criteria of ‘Large Grocery Retailers’ (LGRs) due to their store footprint, nationwide presence, procurement model, and the breadth of their grocery range.

Aldi and Lidl were originally excluded from the 2010 order as ‘limited assortment discounters’, offering a smaller selection of products compared to traditional supermarkets.

However, the CMA’s provisional findings indicate that this is no longer the case.

All three now operate large grocery stores, each with more than 1,000 square metres of shop floor space, and offer a full range of products, though with less category choice than some competitors.

They also purchase goods directly from suppliers through integrated wholesaling.

With the UK grocery market estimated to be worth £215 billion, Aldi and Lidl are now ranked among the top five retailers by market share.

The CMA is seeking feedback from stakeholders before reaching a final decision.

Aldi and Lidl could join the other supermarket chains later this year.

The CMA is inviting views until 5pm on Monday, September 7, 2026, and will issue its final decision in the autumn after reviewing responses.

If the discounters are included under the order, they will be prevented from using land agreements to limit competition from other supermarket chains.

The CMA aims to ensure competition across the grocery sector to give shoppers more choice and competitive pricing by removing obstacles to new store openings.





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