Visa International said merchants should take a greater responsibility for credit card security. Visa Asia-Pacific cooperates with website security company ScanAlert, which performs vulnerability tests of merchants systems free of charge. Cardholder information stored on a server could be an easy gold mine for criminals. Online fraud in New Zealand and Australia has halved in the last five years, mainly thanks to investments that banks and financial institutions have made in advanced technology to prevent fraud. In Europe, the move to chip cards happened because of the fraud issue, Visa said.”]