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Can you ban pre-paid credit cards?
Is there a way?

 7:07 pm on May 18, 2008 (gmt 0)

Is it possible to block pre-paid credit cards you can buy at supermarkets or simon malls?



 10:18 pm on May 18, 2008 (gmt 0)

You can automatically reject the card if the AVS doesn't return an exact match on the billing address. You should be rejecting those anyway. That should block 99% of those cards, as they usually don't have the billing address.


 5:03 pm on May 19, 2008 (gmt 0)

except that on a lot of them you can just put in whatever address you want online...


 7:57 pm on May 19, 2008 (gmt 0)

If that's the case then they probably can't be blocked. If the AVS comes back as a match and you've shipped to the billing address then the risk is probably pretty low.


 8:07 pm on May 19, 2008 (gmt 0)

Why do you want to block them?

fraud master

 12:30 am on May 20, 2008 (gmt 0)

you need to identify the BIN # (first 6 digits) and create a BIN rule to reject them


 12:37 am on May 20, 2008 (gmt 0)

Do a pre-auth for $500, whatever your actual value is. That'll blow the limit for 99% of those pre-paid cards and it'll fail. Be sure to cancel or immediately charge for customers for whom the $500 works as otherwise your legitimate customers will unexpectedly have $500 credit tied up.

If the AVS comes back as a match and you've shipped to the billing address...
...and have signed-for delivery then you can usually fight a chargeback without problems.


 8:14 pm on May 20, 2008 (gmt 0)

Why do you want to block them?

I don't know about the OP's situation but many merchants use the possession of a valid credit card as proof of age. That includes legit age restricted products like alcohol, not just "adult" material. One of the reasons for pre-pay cards is to give minors access to eccommerce.


 4:23 pm on May 21, 2008 (gmt 0)

The purpose is because my product is a recurring membership and we pay out affiliates more than the first month payment. I am afraid some might try to scam me for the initial payment and then unable to charge for future months.


 10:31 am on May 22, 2008 (gmt 0)

It might be easier to change your affiliate terms so that you pay out after the first renewal rather than on joining.

My ISP has a similar scheme and don't pay out until the member has maintained their account for 3 months.


 12:29 pm on May 22, 2008 (gmt 0)

You can credit funds to the affiliate account, but not allow payment for another two months. Any cancellations during that period result in the credit being revoked.


 9:35 am on May 23, 2008 (gmt 0)

We use AVS to process cards and Gift Card type Visas never match AVS no matter what address is put in for billing. They are declined every time. I only let regular customers who have ordered many times from us before use them and then I have to manually override our system check for AVS so they will be accepted.

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