Which of the following is a recommended practice for preventing fraud in electronic payments?

Applying ACH filters and blocks is a recommended practice for preventing fraud in electronic payments because these measures can help mitigate unauthorized transactions. ACH (Automated Clearing House) filters allow organizations to specify which types of transactions may be processed and can block transactions that do not meet certain criteria, such as transactions from unknown payees, those exceeding specific dollar amounts, or those initiated after business hours.

This helps reduce the risk of fraud significantly by ensuring that only legitimate and pre-authorized transactions are allowed to go through. By actively monitoring and controlling transactions, organizations can detect and prevent fraudulent activities proactively.

In contrast, having a single bank account for all transactions can increase vulnerability, as it presents a centralized point of attack for fraudsters. Using unsecured email for transaction confirmations is detrimental because it exposes sensitive information and increases the risk of interception. Additionally, allowing all transactions without review fails to implement any checks and balances, which opens the door for unauthorized or fraudulent transactions to be processed without any scrutiny.