Sunwukong - 6:12 am on Jun 10, 2010 (gmt 0)
Thank you every one for your commenets and suggestions.
curlykarl - Insist on delivering to the registered card address, you will loose some sales, but it should cut down on a lot of charge backs.
A good suggestion. The problem is the address listed in billing information is often not verified and we don't know the registered card address. Sounds like this is just a problem with world pay.
bwnbwn - I know what your saying but in my experience (12 years) I have yet to have a genuine ever leave me because I did a little checking on the purchase.
I bet we have called 1000's requesting more information to verify the purchase and not 1 has had a problem with it. In fact most feel better we called and looked into it. This does give you a chance to communicate to them your a real company with real people and I do really think this has brought us many return customers.
Never be afraid to call your customer.
I agree with you so often ask customers to provide photos of ID and credit cards. This helps alot but a scammer could use some one elses credit card to make payment then use their own information in billing details and send an image of their credti card.
What information do you use to verify their purchase?
sleepy_eye -Since alot of times people using stolen cards place orders all over the net, they sometimes can't remember what they order.
On suspicious orders we call we sometimes read back what they ordered wrong. Most people will correct you right away and get anxious or at least ask their husband/wife ..etc if what they are being told is correct. I would bet since you sell high value items they would rember a major purchase alot more than a smaller one. I know when I got my wide screen my wallet remembered it for a long time.
Not fool proof but with other bad points tipping the scale this has worked for us.
Definitely thinking out side the box and a useful check I can add to our methods. Thanks.
dickbaker - If something doesn't feel right, I'll have the credit card company contact the customer to verify that he/she authorized the transaction. That gets the company on record with the purchase.
A very effective method for checking orders. I don't know though how to do this. I called the bank of America yesterday to verify an order. The first time i've tried this method. Spent 40 minutes on the phone, transferred 5 times only to be told that the cardholder is the only one that can they can give information to. Very frustrating.
How to you contact the credit card company and arrange for them to do that?