Fraud and Risk Management solutions usually focused on single instrument of payment like – card or cheque or wire transfer, etc. However, fraudsters did not have such compulsions to confine to a mode or channel and hence the fraud migrated from one channel to another. When chip and PIN made it difficult to commit card fraud for in-person payment at point-of-Sale (POS), the fraud migrated to e-commerce. As 3DS2 is making it difficult to commit fraud on e-commerce card usage, it is moving to alternate payment methods. Furthermore, the fraud at POS is emerging in a new way for real-time payments and use of QR code, especially when QR code is sent as a mobile picture for customers to scan-and-pay.