{"id":68959,"date":"2021-03-11T10:50:03","date_gmt":"2021-03-11T08:50:03","guid":{"rendered":"https:\/\/www.sage.com\/en-za\/blog\/?p=68959"},"modified":"2026-01-29T15:46:36","modified_gmt":"2026-01-29T13:46:36","slug":"in-store-fraud-stay-vigilant","status":"publish","type":"post","link":"https:\/\/www.sage.com\/en-za\/blog\/in-store-fraud-stay-vigilant\/","title":{"rendered":"Staying vigilant against in-store fraud: 7 tips for retailers"},"content":{"rendered":"<header class=\"entry-header has-dark-background-color entry-header--has-illustration entry-header--has-illustration--generic\">\n\t<div class=\"container\">\n\t\t<div class=\"entry-header__row row align-center\">\n\t\t\t<div class=\"col col-lg-7 col-xlg-6 entry-header__content\">\n\t\t\t\t\t\t\t<div class=\"component component-single-header\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"entry-header__misc text--subtitle text--uppercase text--small\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-za\/blog\/category\/money-matters\/daily-money\/\" class=\"entry-header__link\">Daily money<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"entry-title-wrapper\">\n\t\t\t\t\t<h1 class=\"entry-title\">\n\t\t\t\t\t\tStaying vigilant against in-store fraud: 7 tips for retailers\t\t\t\t\t<\/h1>\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<p class=\"entry-header__description\">\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"single-post-details container\">\n\t\t<div class=\"col\">\n\t\t\t<span class=\"posted-on \">Published <time class=\"entry-date published\" datetime=\"2021-03-11T10:50:03+02:00\">March 11, 2021<\/time><\/span><span class=\"reading-time\"> min read<\/span>\n\t\t<button\n\t\t\ttype=\"button\"\n\t\t\tclass=\"social-share-button button button--icon button--secondary js-social-share-button\"\n\t\t\tdata-share-title=\"Staying vigilant against in-store fraud: 7 tips for retailers\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/en-za\/blog\/in-store-fraud-stay-vigilant\/\"\n\t\t\tdata-share-text=\"Please read this interesting article\"\n\t\t>\n\t\t\t<span class=\"social-share-button__share-label\">Share<\/span>\n\t\t\t<span class=\"social-share-button__copy-label\" hidden>Copy Link<\/span>\n\t\t\t<span class=\"social-share-button__copy-tooltip\" aria-hidden=\"true\" hidden>Copied<\/span>\n\t\t<\/button>\n\n\t\t\t\t<\/div>\n\t<\/div>\n\t<\/header>\n\n\n\n<div class=\"wp-block-post-author has-dark-background-color alignfull\">\n\t<div class=\"container\">\n\t\t<div class=\"col\">\n\t\t\t\t\t\t\t<div class=\"co-authors\">\n\t\t\t\t\t\n\t\t<div class=\"entry-author-wrapper\">\n\t\t\t<a class=\"entry-author\" href=\"https:\/\/www.sage.com\/en-za\/blog\/author\/ashleyhindsmansage\/\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"40\" height=\"40\" src=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2025\/02\/Ashley-Thompson-350x350.jpg\" class=\"entry-author__image\" alt=\"Ashley Thompson\" srcset=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2025\/02\/Ashley-Thompson-350x350.jpg 350w, https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2025\/02\/Ashley-Thompson.jpg 600w\" sizes=\"auto, (max-width: 40px) 100vw, 40px\" \/>\t\t\t\t<span class=\"entry-author__name\">Ashley Thompson<\/span>\n\t\t\t<\/a>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Online transactional security has garnered scrutiny over the past decade, given its booming popularity and subsequent risks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Physical businesses aren\u2019t out of the woods; however, all the attention paid to online security creates a distraction for the low-tech criminals who want to steal card information at the point of sale.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If they become lax with their in-store payment security, retailers will put the sensitive information of millions of shoppers who prefer shopping in-store at risk.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Traditional defence methods against fraud are still critical since fraud losses on face-to-face purchases remain on the increase.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The following seven tips can help retailers stay ahead and reduce the risks of card fraud in-store:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-nbsp-nbsp-nbsp-keep-an-eye-on-unattended-payment-terminals\">1.&nbsp;&nbsp;&nbsp; Keep an eye on unattended payment terminals<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">According to the <a href=\"https:\/\/businesstech.co.za\/news\/banking\/409869\/these-are-the-most-common-banking-scams-in-south-africa\/\">South African Banking Risk Information Centre (Sabric),<\/a> gross fraud losses on South African issued bank cards increased by 20.5% in 2019<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This suggests that hackers are still looking for ways to infiltrate card readers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Criminals commonly attach concealed or disguised devices to the card reader slots of ATMs and unattended payment terminals (UPTs), such as self-service kiosks and ticket machines at railway stations, cinemas, and car parks. By keeping an eye on your UPTs, you\u2019ll have a greater chance of noticing if anything is out of place.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can reduce card skimming risks even further by updating your terminals to accept contactless payments. Contactless cards have a built-in security feature that occasionally prompts the cardholder to enter their PIN to prove they have the card.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-nbsp-nbsp-nbsp-only-accept-cards-that-are-in-good-condition\">2.&nbsp;&nbsp;&nbsp; Only accept cards that are in good condition<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s common for fraudsters to convince cashiers to enter the card details to bypass any anti-fraud features manually. It\u2019s therefore critical to be aware if customers let you know right away that their card has trouble reading.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cards that can\u2019t be read by a mag-stripe or chip reader are a red flag. Instead, ask for another form of payment or decline the transaction.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-nbsp-nbsp-nbsp-spot-red-flags-with-intelligent-reporting\">3.&nbsp;&nbsp;&nbsp; Spot red flags with intelligent reporting<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Your payment processor continually monitors your business\u2019s transactions for fraudulent activity using the power of data to detect suspicious transactions. Those that fall outside the norm are flagged as a potential fraud risk and investigated for validation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This extra surveillance can also help you locate suspicious activity over time, such as frequent returns and chargebacks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you know you will need to perform a transaction out of character for your retail business, advise your payment processor first to prevent a legitimate purchase from being flagged.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-nbsp-nbsp-nbsp-take-precautions-against-card-not-present-fraud\">4.&nbsp;&nbsp;&nbsp; Take precautions against card-not-present fraud<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Card-not-present (CNP) fraud is quickly becoming one of the most common types of card fraud. In 2019, CNP fraud amounted to 62% of gross fraud losses on South African issued credit cards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Coupled with the surge in online shopping, mobile wallets and NFC payments have created new opportunities for fraudsters to use stolen card information to make purchases. This form of payment presents a specific challenge to retailers in verifying who the actual cardholder is and, consequently, authenticating their payment effectively.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A Strong Customer Authentication (SCA) strategy, such as those mandated under PSD2 in Europe, requires the customer to present two of three forms of identification:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Something you know, such as a PIN or password<\/li>\n\n\n\n<li>Something you have, such as card information<\/li>\n\n\n\n<li>Biometric identification, such as a fingerprint<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">When putting together your SCA strategy, the key is balancing security and convenience for your customer. Authentication through knowledge is the most widely used method.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Banks encourage a security question along with a PIN or password, but this can be difficult for customers to remember.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Possession authentication through one-time passwords (OTP) is also common, but these can be extremely inconvenient for your frequent customers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Biometric authentication is growing in popularity as most smartphones now include integrated fingerprint readers. Retailers and banks are leveraging this feature to make online and mobile commerce transactions more secure.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-nbsp-nbsp-nbsp-call-your-bank-if-you-have-any-concerns\">5.&nbsp;&nbsp;&nbsp; Call your bank if you have any concerns<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If someone presents a suspicious card with altered features, or you have concerns about the validity of a transaction, give your bank a call.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your bank can help you to confirm the legitimacy of a card transaction without confronting the customer.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-6-nbsp-nbsp-nbsp-train-your-staff\">6.&nbsp;&nbsp;&nbsp; Train your staff<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Your staff can be one of the most significant vulnerabilities or one of the best safeguards against credit card fraud \u2013 depending on how well they have been trained.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Empower your employees by teaching them about fraud prevention and implementing best practices to ensure that security is the norm. Your staff likely handles most of the sales and interactions with customers. Teaching them to spot potential fraud will help reduce the risk of it happening.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-7-nbsp-nbsp-nbsp-technology-is-the-key\">7.&nbsp;&nbsp;&nbsp; Technology is the key<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Upgrading your POS system can quickly fill some of the gaps in your security efforts. For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Accepting a range of payment methods means you can take advantage of newer security features that have slowed down card fraud.<\/li>\n\n\n\n<li>A high-performing payment gateway quickly authorises card payments and reduces the amount of time required to process card transactions.<\/li>\n\n\n\n<li>Newer POS systems are simpler and easier to use, making it easier to identify abnormalities and prevent fraud attempts.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-8-nbsp-nbsp-nbsp-in-closing\">8.&nbsp;&nbsp;&nbsp; In closing<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Providing secure payments is part of excellent customer service, but the rush to provide frictionless customer service can unknowingly expose them and your business to card fraud.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can protect yourself and your customers from in-store fraud by following best practices and learning to spot the red flags as soon as they appear.<\/p>\n\n\n<div class=\"single-cta\">\n\t<div class=\"single-cta__positioner on-scroll-highlight__target\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Subscribe to the Sage Advice enewsletter<\/h2>\n\n\t\t\t\t\t\t\t\t\t<div class=\"single-cta__description\">\n\t\t\t\t\t\t<p>Get a roundup of our best business advice in your inbox every month.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-84fe79b5-668d-41f8-a0cc-6229018c4ac9\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>Subscribe<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1440\" height=\"810\" src=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2022\/04\/GettyImages-1181404518-1440x810.jpg\" class=\"single-cta__image\" alt=\"\" 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\/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-06-23T13:19:28+02:00\">June 23, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">11 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tWhat is AI in HR and how can you use it responsibly?\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-2 post-76358 post type-post status-publish format-standard has-post-thumbnail hentry category-money-matters category-strategy-legal-operations tag-accountants tag-audit tag-bookkeeping tag-business-intelligence tag-profit-loss business_type-small-business business_type-medium-business business_type-accountants\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-za\/blog\/accounts-payable-reports-guide\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2019\/07\/resize-1675x1275-38-684x384.jpg\" class=\"card-post__image\" alt=\"Two businesswomen looking at report on tablet\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2019\/07\/resize-1675x1275-38-684x384.jpg 684w, https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2019\/07\/resize-1675x1275-38-768x585.jpg 768w, https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2019\/07\/resize-1675x1275-38-1064x810.jpg 1064w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-06-04T12:39:10+02:00\">June 4, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">10 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tThe ultimate guide to accounts payable reports and reporting\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-3 post-76331 post type-post status-publish format-standard has-post-thumbnail hentry category-money-matters category-trends-insights tag-accountants tag-audit tag-bookkeeping tag-business-intelligence tag-business-management tag-profit-loss tag-staying-competitive tag-tax business_type-small-business business_type-medium-business business_type-accountants\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-za\/blog\/accounts-payable-process\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2019\/04\/GettyImages-175138802_super-684x384.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2019\/04\/GettyImages-175138802_super-684x384.jpg 684w, https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2019\/04\/GettyImages-175138802_super-768x585.jpg 768w, https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2019\/04\/GettyImages-175138802_super-1064x810.jpg 1064w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-06-04T11:51:14+02:00\">June 4, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">8 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tWhat is the accounts payable process? Steps, workflow and how to improve it\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-4 post-76318 post type-post status-publish format-standard has-post-thumbnail hentry category-money-matters category-trends-insights tag-accountants tag-audit tag-bookkeeping tag-inventory-management business_type-small-business business_type-medium-business business_type-accountants\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-za\/blog\/abc-analysis\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2019\/07\/resize-1675x1275-43-684x384.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2019\/07\/resize-1675x1275-43-684x384.jpg 684w, https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2019\/07\/resize-1675x1275-43-768x585.jpg 768w, https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2019\/07\/resize-1675x1275-43-1064x810.jpg 1064w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-06-02T15:45:55+02:00\">June 2, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">17 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tWhat is ABC analysis in inventory management? Definition, steps and examples\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Online transactional security has garnered scrutiny over the past decade, given its booming popularity and subsequent risks. Physical businesses aren\u2019t out of the woods; however, all the attention paid to online security creates a distraction for the low-tech criminals who want to steal card information at the point of sale. If they become lax with [&hellip;]<\/p>\n","protected":false},"author":281,"featured_media":514,"menu_order":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sage_video":false,"post_featured_image_hide":false,"sage_hide_published_date":false,"sage_hide_read_time":false,"sage_hide_share_buttons":false,"_pwl_sage_podcast_buzzsprout_src":"","footnotes":""},"categories":[30],"tags":[294,315,166],"business_type":[2],"lilypad":[],"context":[],"industry":[],"persona":[15,16],"imagine_tag":[85],"coauthors":[414],"class_list":["post-68959","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-daily-money","tag-accountants","tag-business-intelligence","tag-business-management","business_type-small-business"],"sage_meta":{"region":"en-za","author_name":"Ashley Thompson","featured_image":"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2019\/04\/GettyImages-869866316.jpg","imagine_tags":{"85":"Small business"}},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Sage Advice South Africa","distributor_original_site_url":"https:\/\/www.sage.com\/en-za\/blog","push-errors":false,"_links":{"self":[{"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/posts\/68959","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/users\/281"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/comments?post=68959"}],"version-history":[{"count":0,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/posts\/68959\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/media\/514"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/media?parent=68959"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/categories?post=68959"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/tags?post=68959"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/business_type?post=68959"},{"taxonomy":"lilypad","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/lilypad?post=68959"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/context?post=68959"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/industry?post=68959"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/persona?post=68959"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/imagine_tag?post=68959"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/coauthors?post=68959"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}