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