Retailers offering in-store purchasing through a mobile app should be aware of major card-not-present fraud schemes. Fraudsters know that “aged” accounts more than 36 months old with a good transaction history are less closely scrutinized than a brand new account with no transaction history. The goal of the organization should be to eliminate the economic advantage that fraudsters obtain from taking over an account. Retailers should maintain control of the account creation process with bots and scripts limited by using a captcha.”]