I would like to know how some of you protect yourselves from charge backs.

If I have someone go through a service like Revecom, is it possible to do something else to gurantee that this person is the right owner of the CC. Like ask them to fax a signature copy of the card number and signature.

Let me know.

If you ask them to go through the hassle of faxing and etc, most likely you will have less sales.

Not a good method.


:cool:

Hm, that depends on the sold item. For a $10 per month account probably not, but if you sell a server or your most expensive package for a yearly deal a signed fax is not bad .:cool:

Walter is right.


I was thinking about $5-$10 monthly.

If it is a hugh amount transaction, then of course.

:rolleyes:

First good thing we did was get rid of automatic sign ups. We had an auto sign up script which activated the account right away...
Yes some clients want it NOW, but when we started watching orders closely, you would be surprised how many ways there are to verify an order. It really depends on how much time you want to put into it.

I look at the basics first:
-Name on order and credit card name match?

-Does their address look real?
(we have had customers who put an address like Georgia for the street, no number)

-Does the phone number look legit?
(for example, if he/she puts an order with an address in Atlanta address then uses a phone number with an area code from Miami, it raises a flag)

-We also do not let customer sign up using a free email address like yahoo.com as their primary email contact. (I guess they will figure by using the email address provided by the ISP, we may be able to track them down easier, but this was a big help for us)

-If I am still suspicious...
I Check some of the lists on web hosting forums.. some hosts will put the domain of a customer who was a fraud sign up.
I Call my merchant account provider and give them the first 6 digits of the credit card number and they tell me what bank to call to do an address verification for that card.
Finally, If all else fails, I will either call the customer to verify the phone number is at least real and/or ask them to fax a copy of the card or front page of their bill or something. Now-a-days, we would rather loose a customer sometimes than give them service for months and get a chargeback. Also, a lot of the fraud accounts we get are spammers anyways.

Just a few ideas... take them or leave them.

Regards
AH

And don't accept orders from people using generic e-mail addresses, such as yahoo or hotmail.

Originally posted by ShellBounder
And don't accept orders from people using generic e-mail addresses, such as yahoo or hotmail.

I think the majority of signup use these email addresses. :cool: