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Can you ban pre-paid credit cards?

Is there a way?

     

simpleton3

7:07 pm on May 18, 2008 (gmt 0)

5+ Year Member



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

Dogza

10:18 pm on May 18, 2008 (gmt 0)

10+ Year Member



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.

simpleton3

5:03 pm on May 19, 2008 (gmt 0)

5+ Year Member



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

Dogza

7:57 pm on May 19, 2008 (gmt 0)

10+ Year Member



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.

Rugles

8:07 pm on May 19, 2008 (gmt 0)

WebmasterWorld Senior Member 10+ Year Member



Why do you want to block them?

fraud master

12:30 am on May 20, 2008 (gmt 0)

5+ Year Member



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

vincevincevince

12:37 am on May 20, 2008 (gmt 0)

WebmasterWorld Senior Member vincevincevince is a WebmasterWorld Top Contributor of All Time 10+ Year Member



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.

piatkow

8:14 pm on May 20, 2008 (gmt 0)

WebmasterWorld Senior Member piatkow is a WebmasterWorld Top Contributor of All Time 5+ Year Member Top Contributors Of The Month



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.

simpleton3

4:23 pm on May 21, 2008 (gmt 0)

5+ Year Member



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.

piatkow

10:31 am on May 22, 2008 (gmt 0)

WebmasterWorld Senior Member piatkow is a WebmasterWorld Top Contributor of All Time 5+ Year Member Top Contributors Of The Month



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.

vincevincevince

12:29 pm on May 22, 2008 (gmt 0)

WebmasterWorld Senior Member vincevincevince is a WebmasterWorld Top Contributor of All Time 10+ Year Member



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.

sm76

9:35 am on May 23, 2008 (gmt 0)

5+ Year Member



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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