I am sure this is a lot of talked topic, i just want top 3 next to CDGCommerce, i don't like theire SSN verification process. Please suggest me merchant accounts that compare to CDGCommerce. Please!

You will not get a MErchant account execpt at Paypal w.o cerifying your SSN. Merchant acocunt providers require it, 2checkout requires it for USA ppl i believe. Everyone i have used, requires oyu to verify a SSN in the USA.

OK i think i didn't clarify, the SSN verification process is for my clients, when they are trying to make a payment, not during application process.

vajjas1,

thank you for letting me know about this, I almost went for their pricing, but asking for a customers SSN and their credit card is insane.

I think you are confused somewheres, they dont require your customers for thir SSN. I process payments DAILY and this is not a requirment.

This is exactly what i got from their customer service representative:

"There is no way to avoid SSN verification, this is required for every transaction to ensure the person making the sale is same as the card owner, we do a soft credit check to verify this"

I defn think your confused, no wheres on any order form do i see it asking for a SSN. I know CDG does a Soft Check verification on YOUR credit report on signup. I will send this thread off to Chris at operations to reply.

i would love to see what he would say, i clearly mentioned to the support person that i lost a client who tried to sign up and they backed off because SSN was asked to verify during the sale.

vajjas1,

It is actually illegal for them to ask for a SSN unless they are applying for credit.

vajjas1,

It is actually illegal for them to ask for a SSN unless they are applying for credit.

I understand that, hopefully i will get a clarification on why it asked SSN for my customer, and why the customer service representative said its mandatory for that check.

There seems to be some definite confusion here.

To clarify - while CDGcommerce (just like ALL other merchant providers) does require the SSN# of the merchant applying for a merchant account, there is NO such requirement on a transaction made by a merchant's customers.

In other words, if you are a merchant with CDGcommerce or any other merchant provider, there is absolutely no such thing as a query for an SSN# from one of your customers to complete a transaction - period.

In fact, as a merchant with a merchant account - it is up to you on what tools you even want to use to verify a customer transaction. You can opt to use none of the available tools, you can opt to use just AVS, just CVV, AVS+CVV, VBV/MSC, or any combination thereof. However, a "SSN verify check" isn't even an option! (Unless you purchase some kind of a 3rd party product from a company like Equifax that does an actual identity verification)

My assumption here is that if you spoke to a customer service representative at our company and asked them if a social security number was required - they probably answered yes because they thought you were asking whether you needed an SSN# in order to get a merchant account with us.

Hopefully that will clarify everything but let me know if there are any further questions. Thanks!

Please take a look at ticket#261326 in your log, Jerry is the one who responded to my question. I was online with the customers when she specifically asked me "Why she is being asked to verify her SSN". Is this omething specific to my account setup?

I agree...no processor I know of (including me) requires a SSN check. That's crazy, as I know almost no customer who would consent to that. I don't know of any "setup" that would require that. (That and their rates are hard to find on that site anywhere).

Derek,

The original poster here was mistaken.

I agree with you 100% - no customer would ever continue to process a transaction if the gateway asked them for an SSN#. That would be crazy and result in close to 100% order abandonment... which is why this is clearly NOT the case with any system we offer, as I've outlined above.

In fact, there isn't even any feature built in to Quantum, Authorize.Net or any other gateway that we offer that would even ALLOW a merchant to do an SSN# query even if they wanted to!

Here is the response that was sent by us to the original poster on this thread:

"Hello,
We are sorry but the social security number is required for a merchant account. There is no way around it as for one it gives us proof of who the person is as well as doing the soft credit check.
The social security number is not only required by us but by any merchant account provider.
Jerry"

Please note that Jerry states very clearly that the SSN is required for the initial merchant account approval - NOT for individual customers purchasing via a transaction with one of our existing merchants.

So to go full circle here, vajjas1... what link or URL did you provide your customer with to process a payment with you? Or were you trying to refer us a new merchant account customer? What I'm thinking happened is that you referred someone accidentally to a URL to a page for the app status, merchant account signup or agent signup instead of an ordering page?

Please let me know the specifics here and I can help you further to clear up any confusion. Thanks!

Hello,

Let me please clarify here for everyone. In the original ticket it looked like to me this was regarding an online application. It was not until this morning that I got a response stating that it was through a payment page.

The original question was this

Hello i ahve a client who was signing up using the payment gateway and they received a message to verify their SSN, why would the system need SSN details? I would really appreciate if you can get back to me.

Now another worker and I both thought this was due an application as the words "Signing up" were in there.

We are sorry for this misunderstanding.

Now my response this morning was

Hello,

I was under the assumption you were talking about an onlineapplication.

If they are purchasing a product from you then no a SSN is not required. However I just looked and saw you are using Quantum Gateway which has the Verified By Visa integrated into it. Now what may be happening is that the customer gets to that screen and their bank is forcing them to sign up. At that time the bank may require the last 4 ssn on the card to verify it is who they say they are. That is the only thing I can think of. It has been too long since I filled out mine that I can't remember the stuff they ask.

Hope this helps people.

Thank you chris and Jerry for the clear up. I read his thread and was thinking to find another service.

I will be signing up with CDGCommerce very soon.
PM me if I could quality for some discounts under WHT :P

You are welcome doomos.

Sometimes those key words willl throw someone off. Signup and Pay are different to us. Even though a customer was mentioned I was thinking RESELLER. Next time I double check.

Hind sight .....