Globalstores - 4:03 am on May 20, 2013 (gmt 0)
I am only getting responses from merchants who apparently don't have access to credit card info. I would only like to hear from merchants who DO have access to the full credit card info on your host's administration orders page (where you either click "Capture" "Refund" or "Cancel".
I cannot begin to imagine how any business could operate without seeing the credit card information entered by their customers. Unless, that is, they only accept PayPal Express as the method of payment and only ship to an exact AVS match. Sometimes honest people accidentally enter incorrect information and it needs to be verified.
It is absurd to think that it is not safe for a merchant to have access to CC info. You hand your CC to the waiter at dinner, who walks away with it, you give your CC info to the business you called on the phone to fix your plumbing, you give your CC to the cashier at Wal-Mart, and you probably give your CC to just about any business who sells a product. Of course, as I said previously, I don't store any CC info on my own computers or network, but I DO have access to the CC info via my Yahoo Merchant Store's orders page using a double password and SSL encryption. As a safety measure, Yahoo deletes the CC info 30 days after the transaction, which gives me plenty of time to call the issuing bank and verify addresses.
If you don't have access to the CC info, how can you avoid chargebacks from unauthorized sales (stolen credit cards)? Case in point, if I was a thief and went to your website to fraudulently purchase a new $600 stereo system and gave you a stolen credit card number and the real Billing address, but wanted it shipped to my home, how would you handle that? Just ship it to me? I would imagine you would be spending a lot of time dealing with chargebacks using that strategy.
Two of my Yahoo Merchant stores, that have been online since 2004, regularly have customers who want to ship an expensive product to their business address, a friend or a relative. Am I just supposed to ship and hope? Or do you think it might be better to call the isssuing bank of the credit card to see if the customer has added an "alternate shipping address" to their account? That's what we do and we have never had a fraudulent charge go through in nine years. Our gross sales are just over $700,000 / year.
You can't "simply call your merchant provider and have them verify the info" when you need to verify a Shipping address that is different from the Billing address. You have to call the issuing bank. And, you can't call the issuing bank unless you have the CC number and Exp Date.
I've used multiple Merchant Processors in the past so I'm quite familiar with their procedures. Nevertheless, I prefer using PayPal Website Payments Pro because I get a flat 2.2% rate for ALL credit cards, whether they're rewards cards or business cards. I also get a refund of the transaction fee if I cancel or refund the transaction. Most regular Merchant Processors charge you the discount points and don't refund them even if you refund the customer.
Anyway, I still would like to hear from any other merchant out there who DOES have access to the CC info via their ecommerce host's back end (like Yahoo Merchant does).