Payment fraud in Australia jumped 23.2 per cent in the year to June, according to the Australian Payments Clearing Association, with card-not-present payments being the fraud hotspot.  APCA figures released yesterday show payment fraud increased from 9.9 cents to 12.2 cents in every $1000 transacted over the 12-month period.The total value of fraudulent transactions involving cheques, proprietary debit cards, scheme debit and credit cards, and charge cards in the 2010/11 financial year was A$232.4 million.APCA chief executive Chris Hamilton said fraudulent CNP transactions account for 71 per cent of fraud involving Australian-issued scheme credit, scheme debit and charge cards. More than half of this fraudulent activity occurs overseas and is related to growth in online shopping activity. Hamilton said: "We need Australians to know that the tools to help protect against CNP fraud are readily available today. "If you are a retailer selling online or a consumer shopping online, you need to be using these tools."In areas where chip technology has been deployed, such as in point-of-sale terminals, there has been a drop in fraud numbers. Counterfeit and skimming fraud perpetrated in Australia on overseas-issued cards dropped by 34 per cent.