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There are probably more European countries I could add for allowing credit card transactions by default. We just haven't done enough business with them to consider them. I'm interested in what other people's acceptable countries are, and if there is an informal agreed upon white list.
Am I leaving any countries with very low rates of fraud out? Does anyone see anything on this list that raises a red flag for them?
The key is to make sure that the credit card was issued by a bank based in that country. Since credit cards are generally not readily available in these countries, the chances are that the orders will be valid. My experience is that you will get the most loyal customers from these countries.
It was under an index for people building yahoo shops I think.
One tip was to ask for the last 3 digits of the number printed on the back. This meant they had to have the actual card in their hand.
Here in Taiwan people will monitor ATM machines using a camcorder from a nearby apartment. Apparently they are good enough to figure out the pin numbers and card #s from that. I know about this because someone took $500 out of my account last week and I had to cancel my atm card.
I would never accept a credit card as payment for an order being shipped to Taiwan.
The most important measure you can take against international fraud is to have a system to verify which country the credit card is issued in.
If in doubt, some payment processors such as Worldpay will carry out a manual AVS check for you irrespective where the order came from. However, in some European countries, such checkes are against the law.
They do not stop a card going through except with AMEX who now require this for customer not present orders.
Being correct means that the person is more likely to be the owner. Being incorrect usually gives the impression that the customer is a fraudster or they can't be bothered to type in the numbers.
I did have one man order a lot of stuff, he gave three credit card numbers to cover the order, presumably because after the first was clearly stolen and I asked him if his credit limit was large enough. Those three little numbers made a huge difference. He said '671' (I can't remember the exact numbers!). 671? Chances of being correct 1 in 1000. His second card has a security number of 671, a s chance of 1 in 1000000. And his third....1 in 1000000000. Amazing! I think Visa and Mastercards random number generation software needs some looking at!
I have never had many problems within the UK: England, Scotland, Wales, Northern Ireland and Eire (Southern Ireland or Republic of Ireland).
But there never is such a thing as a black list and white list. Some shades of grey are just darker than others.
"pLEASE YOU I PURCHASE 10 of your [well known brand here]can you let I KNOW when you have sent shipment by fedex" thank you blah blah indonesia, algeria......email is hotmail, yahoo etc.
The main clues being
well known brand - easy to sell in markets or ebay
Send fast by fedex - hoping you will just send it and process card later.
Free email account - most people who can afford a credit card have their own email that includes part of their name.
You have a better chance of being a victim from your own country as the locals know how to trip you up with things you would not think of.