International Credit Card Processing

credit card processing international

[Lightguy1]

Hello,

I was wondering if anyone here accepts international credit cards on their e-commerce web sites. If so, what processor do you use to process these. Do they offer any extra security?

My current processor said their system can not do a Address Verification Check on foreign credit cards like i do on domestic ones now.

So if anyone is accepting international credit cards here in the states how are you processing them and what steps of security are you implementing?

Thanks

[lorax]

Previous threads on this subject:

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[Corey Bryant]

AVS basically uses the street number and the ZIP code only. For example, if your address is 1234 Main St, Beverly Hills, CA 90210, the processor would check 1234 90210. Since most addresses not in the United States do not have this, it is difficult to check. However, AVS is your first (of many) of vetting your transaction.

Having said that, it does not matter so much where the customer is when it comes to the merchant account provider - it matters more where the merchant is. Then it is up to the merchant to properly vet the transaction to make sure there will not be a chargeback.

If you are in the United States, you should be able to accept credit cards from any issuing bank as long as it has the proper logo from the card associations that you accept.

Other ways of vetting the transaction is getting and verifying the Card Verification Value 2 / Card Identification Number (CVV2 / CVC2 / CID). The electronic payment gateway will be able to let you know if this matches or not.

A lot of times, fraudsters will ask you to ship the product to another address. This should be a point against them.

Another point against them is if they are using a free email address. And then email the customer. Check the IP address when they reply to you. Does it match the order IP address? If not, another point against them.

Look at the phone number - does it match the GeoIP? If not, another point against them. Call that number - does someone answer? If it is disconnected, another point against them. Google the phone number as well to see if it pops up anywhere on the Internet. Also, while talking to them, make sure someone will be there to accept and sign for the delivery. If not, another point against them.

You might even email them an invoice and ask them to fax it back to you. This will help you a bit more. If they refused, that's two points against them.

Another point - they require it "immediately". And they might want to know if they get a discount if they buy more. (Here they are relying on the merchant's greed.)

After awhile, these points will add up. It is up to you to determine how many points you are willing to spend. The merchant account provider is relying on you to help cut down on fraud.

And finally, go with your gut. If it sounds fishy, chances are it is.

[Lightguy1]

On international cards will the system verify (CVV2 / CVC2 / CID) ?

Thanks

[Corey Bryant]

Depends on the gateway and the transaction processor and the issuing bank. On some cards, you might be able to verify the numerical part of the address or the ZIP / postal code.