Hi,
I have a customized osCommerce shopping cart that I use together with a software based order management system which works with PCCharge (Verifone).
The way my order management system works now is I first need to receive the products from my wholesaler and have it in-hand before the order management system allows me to authorize a customer's credit card with PCCharge.
This wasn't an issue when I first launched the site but now I'm receiving more and more fraudulent order attempts, and my inventory just keeps piling up due to these fraudulent order.
The good thing is when I do authorize a transaction after I scan the product to my order management system; I don't ship the product because I received a "declined" response. But I don't want my inventory to keep on increasing from these fraud orders since these items are not fast movers and I will just end up sitting on them.
These are some of the options that I see could help put a stop to this:
Option #1: I can try using the MaxMind service; which would probably be the easiest to implement. But it will require me to manually check the fraud score first for each order and then decide using my best judgement if the order is real or fraud.
Option #2: Stop using PCCharge and use my current merchant account with the Authorize.Net Gateway with my osCommerce site. At least with Authorize.Net I will be able to do real-time authorizations and if the order is declined it will be stopped before I even place an order with my wholesaler. This process would be automated compared to using the MaxMind option.
However, this option will require coding to update my website to work with Authorize.Net, and I would have to do major custom programming work on my order management software (which can result in other issues arising) because the order process flow will be changed due to Authorize.Net.
Option #3: Authorize orders first with my order management software using PCCharge, and if receive a "declined" response contact the customer or cancel their order. This method will also filter out the "declined" orders before I place them with my wholesaler. This option will also be automated compared to MaxMind once it is properly working.
However, this method also requires major custom programming to be done on my order management system order process flow (which can result in other issues arising) because by default the current order process flow doesn't allow me to authorize orders until I scan the product into the system.
I need to change this current cc payment method ASAP and change it so I authorize credit cards before I place an order with my wholesaler because I am getting fed up with collecting products that are from fraud orders which I just end up sitting on.
Can anyone provide me with suggestions on what I can do?
Or if there are other gateways besides Authorize.Net that I can use?
Or what your current credit card payment process is; maybe I can get an idea on a better way to handle this?
WHO KNEW THE WORLD WAS FILLED WITH SO MANY CRIMINALS! :-(
Thank you for your help,
olimits7
