The Australian Payments Network has released its annual card fraud data for 2017, highlighting a change in the mix of fraudulent card payments, showing a strong swing towards 'card not present' fraud. AusPayNet said 'card not present' - or online - fraud accounted for 85 per cent of all fraud on Australian cards. CNP fraud occurs when valid card details are stolen and used to make purchases or other payments without the card, typically online or by phone.This is in line with global trends and reflects the rapid growth of e-commerce and online payments, AusPayNet said. The report stated that online fraud is increasing due to:•    fraud migrating online as chip technology provides strong protection against face-to-face fraud;•    large scale data breaches, which capture sensitive card data; and•    identity theft, which often includes the theft of sensitive card data.The reports analysis was based on aggregated industry information and Reserve Bank of Australia figures, showing that consumers spent A$748 billion on their cards in 2017, up five per cent on the previous year. Likewise, AusPayNet's analysis showed card fraud of all types also increased by five per cent. At $561 million this was equal to 0.075 per cent of the overall value of card transactions, largely the same rate as in 2016, according to the report.Types of successful card fraud are nevertheless rapidly evolving: the protection offered by EMV (or chip and PIN) technology has resulted in a 48 per cent fall in counterfeit and skimming losses (also known as "in-person" fraud). Total fraud for this category was down to $31 million in 2017, its lowest value since 2006, according to the AusPayNet report. It gave this breakdown for in-person fraud, across all Australian cards used: domestically, $16.5 million (down 36 per cent on 2016); and overseas, $14.4 million (down 57 per cent).Lost and stolen card fraud accounted for seven per cent of all card fraud, unchanged from 2016 and down from 10 per cent in 2012.The big mover in 2017 was 'card not present' fraud, which was up by 14 per cent to $476 million, accounting for the bulk of all card fraud against Australian issuers. This trend is reflected internationally, according to AusPayNet chief executive officer, Leila Fourie.  She used the launch of the latest Australian card fraud data report to announce that "the entire range of stakeholders in online payments" was collaborating to develop and progressively implement a new CNP fraud mitigation framework "from late 2018".