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Top 10 Signs of fraud online credit card
As a long-term owner of a couple of popular online stores, I learned the way difficult – through experience – that online criminals are constantly trying to take advantage of the ease in online shipping to commit fraud.
For consumers whose credit cards were used in online fraud, no loss. The bogus charges are almost always returned. But for retailers online to get conned into processing the orders, no relief.
If it is fraud, you get a chargeback. You're out of order, the goods sent and the fees charged by your line of credit card processors.
Surcharges are not pretty. In the early days, had my share. But after a lot grumbling, I decided to consider what financial expert and radio talk show host Dave Ramsey calls a tax "stupid."
Then I put my mind to learn from them so I would not keep paying the tax "stupid."
I started by making a list of hit me all over with over a period of 12 months. I rigorously examined them, looking for patterns and similarities. As a result, I instituted some procedures security and checklists that have worked greatly reducing fraud losses from my stores.
I still stung, but rarely time these days.
The one step that has helped reduce fraudulent orders for me and my stores is to eliminate the dispatch to any location than North America. I know, that's a drastic measure. But while there is no doubt in fact, legitimate businesses lose customers abroad has been my experience that most fraud originates overseas.
And my experience is not unusual. Once recent study I've seen, CyberSource says that fraud rates on overseas orders are four times the level of orders in North America. Therefore, not allowing orders from places other than the U.S. and Canada helps eliminate many of the problems.
However, almost every day, a thief is trying to get across. Most of them are of criminals trying to see if a credit card number they have is still good. They are going to place an order and provide a shipping address in the U.S.
Here are my 10 suggestions for catching fraud before completing the transaction. As many of these indicators as you have in one order, the most fit is false:
1) Shipping FedEx overnight is a frequent marker. The thief figures the dealer will move fast to process the request will not control too. One dead give away and cause for you to seriously question the oder is when the approximate shipping overnight cost element.
2) Look at the phone number and email address provided by the customer. Does the area code matches the city and state customer? If the client uses a Yahoo!, Hotmail, or Google account, does it correspond with the name of the client? Thieves always use these free accounts. So of course, to many customers in good faith. But an e-mail to a domain not associated with free online accounts with a user name (the part before the @ sign) that matches with the customer, is usually good.
3) If your store has information regarding orders, like Yahoo! Stores provides, for example, examine how the customer can find. My store info lists the search phrase you use, or last page of origin. Thieves often look for phrases such as "Traffic international maritime "or" spot "rather than the product advertised on keywords.
4) Check the address IP. And IP (Internet Protocol) is a unique numerical identifier that much like a home address. In this case, identifies the computer network that the order came. Your oder processing software also show that the IP address that the order was sent from. See for yourself. In my Yahoo! Stores, all I have to do is click the address and makes it a trace, identifying the network location. If abroad, shipping to the U.S., I believe that is fraud unless you can call telephone number and speak to a real customer.
5) Beware of mail forwarding operations and mailings. Beware of sites processing mail. Many thieves for their items from overseas and have them shipped to maildrops. Often, instead of a box number, these locations can be viewed as having a "suite" number under the address line. Miami and Houston have a lot of maildrops serving South America. Seattle and Los Angeles they have to Asia. New Your City handles Africa and Eastern Europe. If you suspect, run the customer address through Google. Often you will see that appears with a service for mail delivery company.
6) Be wary if the shipping address and billing address in the order is different. At least, every time this happens, do not process your order unless you call the customer to confirm the order. Some shops even make it a policy to only ship to the address check lists for credit card. I have a lot of requests from parents to buy my products for their children who are in college, that's not a policy be imposed. But always call when the addresses are different.
7) Always expect fraud when you get introduced several customer orders for the same sequence, using the same credit card, or the same address to the ship.
Beware of unusually large orders. You know from your reports oder processing, which average customer buys. Do you know what a big order. Is it more than $ 250? More than $ 500? More than $ 1,000? When standards are exceeded should study application carefully.
9) Be skeptical when you get orders with multiple quantities of a product. It is common for fraudulent orders large quantities of a single item.
10) Look for errors in spelling, grammar and punctuation errors. major customers make mistakes when filling out your forms from our oder. But not as often as the thieves do.
If I had to boil everything until one piece of advice, it would be this: If in doubt, try to get to the customer. If the phone is disconnected, mark it as fraud. If no answer, leave a message on the answering machine. Then send an e-mail. If after 24 hours, emails and call not returned, not processed.
These are just some of the fraud indicators and precautions I've learned over the years. They are by no means exhaustive. But I have instructed all my employees to filter the orders through skeptical eyes. As a result, we have reduced our chargebacks to only two or three cases a year.
About the Author
The author is publisher of the Online Christian Shopper Christian T-Shirt store and the Christian Jewelry Online Christian jewelery store.
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