Forum Moderators: buckworks
1.) I use AVS
2.) I use (2 or 4 digit) Security Code
3.) I do not accept transactions from a certain segment of IP's (from certain countries, they are banned)
As an online Merchant I am curious what more I can possibly do aside from not accepting Credit Cards at all? Go into dispute, which wastes even more time?
What does not add to me is the fact that the fraudster must have had:
- The Name
- The Address (AVS)
- Three digit Security Code
All the major details I check against. And there is not just one. Their are a few on my statement!
FYI, not everyone reading this thread will be using the information as a merchant. I think it is better to discuss the chargeback in private, offline, or with your merchant account representative.
If so, you may try and dispute it if you got a signature. We have been successful in this about 50% of the time (with or without signature).
I have also had success when shipping to the billing address by sending an email to the fraudster telling them I would inform the local authorities of their "theft" if they don't call their credit card company and remove the chargeback. One of the times we got a panicked phone call, within 15 minutes of hitting send, that he had already called American Express. ;)
A few other ways to help alleviate this. if they order a high amount & request it be shipped overnight. They are relying on greed that you will not check the CC out.
Also it could be friendly fraud - where by the child uses the credit card but it is shipped to the same address.
-Corey
If so, you may try and dispute it if you got a signature. We have been successful in this about 50% of the time (with or without signature).
You still have to pay the chargeback fees even though you are getting the chargeback reversed because your customer made a mistake and it's not actually fraud. It's legal theft from the banks.
-Corey
ESS.
depending on the card type and where you're from there may be a few solutions which we run religously
We do have customers claiming chargeback 'cos our website name does not appear on the CC statement. A hard way to learn a lesson.
[usa.visa.com...]
Merchants who use Verified by Visa are protected from fraud-related chargebacks on all personal Visa cards—credit or debit, domestic, or international—whether or not the issuer or cardholder is participating in Verified by Visa, with limited exceptions.
When I was part owner of an ecommerce fulfillment business a couple of years back we set a threshold of pain on orders and any orders above that dollar threshold get manual verification. We check the name + address in Google or some online phone books, most of them show up with the phone number. If we can't verify them easily online, we call (AREACODE) 555-1212 and verify the phone # and address for the order. If something still doesn't pass the sniff test, or the order is somewhat large, we call the number at that address and ask them if they placed the order, "verifying the transaction for your protection".
Craziest chargeback I ever had was at a university, the receptionist signed for the package, the recipient did a chargeback because SHE claims she never got it. I'm sorry but if someone signs for it, it's delivered, what happens at that point is NOT MY PROBLEM so we disputed it with UPS records to prove it.
If it's not a flat out fraud I'd dispute it because a lot of people see chargebacks as legal shoplifting.
At a minimum they should return the merchandise.
vbv is the only way to move that liability off a merchant's shoulders.
If you only use Visa for that reason you also lose mastercard, american express, diners clubs and debit card sales. I'm not sure there's a win/win solution yet but VBV is a definite start.
I'm curious is anyone using VBV reading this thread has been hung out to dry on a fraud sale yet?
What about a spurious meritless chargeback which is as good as fraud?
Works great. Be careful on the vendor you choose to recieve it from.
