Hi ! We are currently using third party credit card processing facility. But if that company out of a sudden after more than 40 days talks about the transaction that was made was a fraud.

Shouldn't fraud be detected in 24-72 hours time ?? Now they say that the phone number supplied by the card holder was wrong which shows that it is a fraud ???

IP information was correct rest all is correct but after 40 days saying this thing creates doubts in our heads what do you say about it ?

How were you alerted, through email?

If so, check the mail headers to see when it was sent, perhaps it got caught up in your mail quee

Even headers prove that email was sent yesterday only. Aren't you surprised ?

Shouldn't fraud be detected in 24-72 hours time ??

Depends on how it's detected. After 40 days, I would suspect that this fraud was only found when the cardholder discovered strange charges on their account and called their cc company.

I heard (dont quote me on this guys) that the customer has upto 6 months to dispute a transaction. Im not to sure. Sounds like the transaction was genuine but now, your customer has simply changed his mind for whatever reason.
?? Now they say that the phone number supplied by the card holder was wrong which shows that it is a fraud ??? Im not sure where you stand if only the telephone number supplied was wrong. (If the customer name and address matches, I dont think you will have to worry to much)

my credit card processing company, cancelled the transaction without even contacting us for the same, is this logical ??

Greetings:

While not exactly the question, we cut back on these issues by sending a one-page form to new clients asking them to sign it authorizing us to charge their card.

Thank you.

We immediately fax a credit card authorization form as well. Here are the paremeters for disputing a fraudulent charge as outlined by Fed Reg E ...
http://www.federalreserve.gov/regulations/title12/sec205/205.6.txt

Fun reading .. ;)

This sounds like our CC processing company. Yesterday and last week I spent all day on the phone with companies that were calling me telling me that our CC processing company was calling them investigating for fraud.

Now I know what they meant, they were just verifying that they customers were real and they actually made the charges. Although I think how they worded it it caused some of our customers to think that we were being investigated for fraud. I lost 3 accounts to this and I am none the happy about it.

I still have not got a reply from the "quick support" that they promise, and they have done to me what they did above only with the reason "The person that ordered the services does not match the name on the card." Well, after looking into it and having it kicked out twice, I called the customer and it was the card holders son, and the card holder was the father. This was a legit transaction that was getting kicked out.

Basicly, what I am saying, using a 3rd party source is great and less work, but you have to go by what they want to do appearantly. There is not a whole lot you can do until they force business away from you as they have done to us as stated above.

Your and our company is same. I can't understand that if the transaction was approved earlier, and then after 40 days they wake up all of a sudden and start calling the card holders. Where as they have not received any complaint from the card holders.

It has actually bugged us with $ 1300 order that was reversed because of this only. What can be done ?? If after 2 months they call up the card guy for the information, a holder gives a second thought to continue services. Because he very well knows that 30 day money back time has already passed.

I am finding a solution to this problem, so that the third party card processor don't perform the same thing the next time again.

What do you say ?

I have gone to our attorneys on this matter. They have caused loss of business by means of slander (intentional or not) by saying they were investigating fraud. I would be curious to talk to you off list to see if we are using the same provider without posting it here.

As for the other stuff, when I meet with our attorney this afternoon, I will bring it up and see if he knows of any recourse without going to extreams. Right now, we are not planning suits or want to, we just want some recourse done to prevent this in the future. I hate going to court, and I hate suing. I never do that unless it is the final option and for a very good reason.

You can contact me offlist at farena@nodehosting.com

Hi secret email has been sent :) waiting for your reply.

If anyone else has faced the same problem, he can join us so that we could sort this matter out forever.

Waiting for more replies.