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banning users from certain countries

4:37 pm on Feb 10, 2006 (gmt 0)

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In the popular ecommerce thread, some people talk of banning users from certain countries?
Is this a common thing on many of your websites and if so which countries do you ban?

I'll be processing cards thruogh a gateway on my site and intend to make sure that all people entering details through the gateway have to use a CV2 number for the credit cards but is this enough to stop fraud?

4:52 pm on Feb 10, 2006 (gmt 0)

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I ban everything not North American, British or Western Europe. My target audience is primarily North American so the effect is minimal. I imagine its more difficult for those with more global products to sale.

Before I ran a ban list it wasn't really a hassle more than an annoyance for the occasional fraud attempts.

5:47 pm on Feb 10, 2006 (gmt 0)

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We currently have about 90% of Africa banned, plus some others.
10:20 pm on Feb 10, 2006 (gmt 0)

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No. The CVV will do little to prevent fraud. It is simply another tool to help you make an informed decision.

Lots of crooks either:
ARE the credit card holder
HAVE the actual CC in Hand
STOLE to credit info from a place that included CVV's

Lots of LEGIT buyers:
Don't know or care what a CVV is
Don't actually HAVE their card with them
Are afraid to share this info over the net because they know it is 'for their security'

It is a tool, but only one to be used together with many others.

YES. We ban all most all of africa, most of southeast asia and a the odd small island.

I would send everything outside of the USA/Canada to a PPC page, but we are a publicly traded company and some of our investers from outside the US like to look at our sites once in a while...

10:52 pm on Feb 10, 2006 (gmt 0)

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I agree: CVV2 doesn't stop fraud -- we found that out the hard way when a gang of credit card thieves in the Philippines used stolen cards to sign up for services. They had the whole shebang, and in many cases, had the addresses also. (We also did AVS.)

Many US-based sites I've seen absolutely will not ship to Nigeria or Indonesia due to an unfortunate amount of fraud originating from those countries. A few bad apples there have really spoiled it for *everyone* in those countries wanting to buy from the US. I believe this includes Amazon and CafePress, to name a couple of biggies, but they could have changed since last I checked.

Requiring CVV2 and AVS will, I think, help you in cases of fraud complaints, in the sense that you won't be hit as hard for chargebacks. You'll still get the chargeback and have to eat the cost if you shipped it on a stolen card, but I think that if you do CVV2 and AVS then *your* merchant fees don't go up as much. (At least, this is true for our merchant account/cc processor. Your terms may vary.)



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