Forum Moderators: buckworks
On International orders we require a scanned copy of the credit card used for the order front and back along with last months bill from this card company.
Well this one my wife asked for the info to be faxed most of the time it is over and they never respond. He responded and said he was on vacation and would comply in a couple days.
Bam the information was sent and it matched but I just wasn't convinced it just seemd to good to be true, so I dug deeper spent 2 hours getting the issueing banks correct number and finally got a an operator.
You guessed it fraud so those out there processing international cards I have now determined our verification policy is now outdated and need to figure another way to check international credit cards.
Man having to call the issuing bank is nothing but a pain to say the least and very expensive so I guess I will research other ways to verify ownership or just quit taking any international orders.
Wanted to alert others as to the scammers have gotten good really good at credit card fraud.
This one made a fake Bill and Credit Card looks like the real deal to me but as the description says to "good to be true".
I don't have but Canada and USA in the Country dropdown but this doesn't stop them say from France, Japan etc. from doing a charge. They just after the charge is placed ask us if we will ship the items. Some check out most don't so I don't really want the business but will complete the order if they follow our request.
We have had some good customers from other countries it is just to expensive to verify a charge but once we get a good one they make great customers. I just don't have the time to handle all the orders with the time it takes to verify one.
Asking for a wire transfer is not right to them they can get hung by a dishonest website owner.
No I need another way to verify credit cards from information sent from them to me either by fax or email. Does anybody that process out of country credit cards have a better way they verify the card information?
If you do few international orders is it worth the time to try and verify info by phone? How often do you get the response they can't give out customer information so you're no closer to any verification. Besides, a verbal verification won't hold up in a chargeback. How long does it take to locate the card issuers contact number then plan a call according to time zone and hope to get someone that speaks english.
If you do a lot of international orders I couldn't begin to suggest an efficient way to verify charges since almost all foreign card issuers do not subscribe to avs.
Good luck.
Here's a tip - don't waste your time and telephone costs - just trash any orders from 3rd world countries (especially indonesia) regardless of what info they provide.
As e-commerce continues to grow you will no doubt get more orders from outside your country.
However, if you target the countries with the highest fraud rates you will reduce your risk considerably. I always like to treat people as individuals and not just as a member of some group, but the amount of fraud originating from the following countries is the majority, way more than 50% of all orders from there. So credit and debit card orders from these countries are guilty until proven innocent:
Egypt, Ghana, Indonesia, Lebanon, Macedonia, Montenegro, Morocco, Nigeria, Pakistan, Romania, Serbia, Ukraine, or Vietnam.
Ironically given the subject of this thread, it is a fact that there are more stolen US credit cards in circulation than any other stolen cards. But if you are a US merchant you will probably find stolen US cards as a small minority as you will no doubt get more real orders from US people unless yours is a high value or very desirable downloadable product such as high-end software.
However that is not true of people outside the US taking US orders - maybe 15% or more of US orders will in fact be carders using stolen credit cards, more if your products or service are high value/desirable as above.
The trick of course is figuring out which is which.
The merchant wanted scanned copies of front, back of CC and my driver's licence with picture.
I replied, do you KNOW how much this information sells for on the WEB? I don't think so. I'm not going to scan all secure info and email it. This would be very stupid.
I sent her a copy of the transaction she just ran and the FAXED copy of the front of the CC.
Also I requested she unfreeze my account if she didn't want to take the transaction because I would shop elsewhere if she didn't want it.
She was satisfied and we both got what we wanted.
You can then go to any currency exchange, or just your bank, and they are converted at the exchange rate. I know they say to not send cash in the mail, but the liklihood of it getting stolen is actually quite remote (how often have you had a cardboard usps envelope stolen at random?). Insure for the amount of cash?
Doing the western union thing is just the biggest headache around, providing multiple id's, having to register, etc. Oh yeah, dont ever cash a check there thinking you have the cash, if it bounces they bill you. If you deposit an international check with your bank it can bounce way in the future, like many weeks after you have shipped.
