How One Limo Company Eliminated Credit Card Fraud with 2-Factor Authentication

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How One Limo Company Eliminated Credit Card Fraud with 2-Factor Authentication
By Simon Kalipciyan
May 11, 2025

In the premium ground transport sector, especially for airport transfers and corporate airport limo services, trust and security are just as important as punctuality and professionalism. At Cars on Demand, we understand that when customers entrust us with their travel and payment information, we owe them more than just reliability — we owe them peace of mind.

The Power of a Small Barrier: Two-Factor Authentication

While some companies hesitate to add friction to the booking process, our team took a forward-thinking step by implementing two-factor authentication (2FA) for all credit card registrations. The result? A minor inconvenience for users — and a complete elimination of fraud.

Here’s how it works:
When a new passenger adds a credit card to their profile, a text message is sent from their bank containing a one-time verification code. That code must be entered into our app or website to finalise the card registration. Without it, the card cannot be stored or used.

This single security measure has made a significant impact:

Before 2FA: 1 in 10,000 trips was fraudulent
After 2FA: 0 fraudulent trips

Even though our fraud rate was already low, there was always a feeling of risk — particularly when new passengers signed up using generic email domains like Gmail or Hotmail. With 2FA in place, we’ve eliminated the guesswork and replaced it with trust in our technology.

Built on Stripe: Secure Payments by Design

Our entire payment infrastructure is built on Stripe, one of the world’s most trusted and secure online payment platforms. Stripe handles all credit card data directly, meaning:

  • Cars on Demand never sees or stores your credit card information
  • Card details are encrypted and processed securely through Stripe’s PCI-compliant system.
  • All transactions are subject to bank-level authentication protocols, including 3D Secure and SMS verification.

This approach gives our customers complete assurance that their financial information is protected to the highest industry standards — every time they book an airport limo service with us.

Why Security Matters in Airport Transfers

Booking an airport transfer is about more than just convenience. It’s often the first or last leg of a critical journey. Whether it’s for a business executive arriving for a meeting or a family catching an early morning flight, passengers need to feel confident that their transport provider is both reliable and secure.

At Cars on Demand, every part of our process — from booking to billing — is designed to uphold that trust. Thanks to Stripe’s secure infrastructure and our proactive use of 2FA, we’ve made fraud a thing of the past for our platform.

Industry Perspective: The Bigger Fraud Picture

According to the Australian Payments Network, card-not-present fraud (which includes online and mobile payments) accounted for over 90% of card fraud in Australia in recent years. In 2023 alone, Australian businesses lost $495 million to this type of fraud.

By staying ahead of the curve and investing in payment security, Cars on Demand is not only protecting its customers — we’re also future-proofing our business in an increasingly digital world.

Conclusion: Safer, Smarter Airport Limo Service

Fraud prevention isn’t just about reacting to problems — it’s about anticipating them. By combining Stripe’s world-class security with proactive steps like 2FA, Cars on Demand has set a new standard in safe, secure airport transfers.

Whether you’re a frequent flyer or a corporate travel manager booking for your team, you can count on Cars on Demand for more than luxury and punctuality — you can count on confidence.