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  1. #1

    Asking For a Faxed Copy of Card

    I've seen people recommend asking for a copy of a credit card for fraud checking but then also people very weary of doing this. Some people say that asking for the back of a card is a bad idea since the CVV number is printed on it. What about AMEX where their verification number is on the front? Opinions?
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  2. #2
    Join Date
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    I could see this as an option for a large credit card purchase that should require approval before processing.

    It seems a bit excessive for each CC payment though.
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  3. #3
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    Asking for a faxed or scanned copy of the card can be a very good thing to do on a high ticket foreign sale. It still is not a guarantee against a chargeback, but it is a very big step towards protecting the merchant on a major purchase.

    The CVV/CVV2 numbers can be whited out on the faxed copies to properly follow the rule on not storing those numbers (in any way, shape or form).

    Lastly, another step that some people take is to call the issuing bank to verify that there has not been any unusual activity on the card.

    Again, these steps are not designed to be employed for a simple, low ticket, "typical" credit card sale. Only for those very large sales where it is absolutely critical that you ensure that the purchase is legit and above board and where you can't get verification through other means.
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  4. #4
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  5. #5
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    Sure... but it does add another level of difficulty to the process.

    Keep in mind that any determined cyber-thief, if they are 100% intent on doing so and have enough access to information, can beat just about any set of security measures that a merchant can put into place.

    The difference is that most of the time, if you put up enough roadblocks for them, they will just seek out a less well defended merchant and take an "easier" path to committing fraud.

    It is much akin to a burglar in a neighborhood. They are probably not going to rob the house with the mean looking dog, electric fence, and the high-tech security system if there is a home with the door unlocked right next to it.
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  6. #6
    Originally posted by cdgcommerce
    It is much akin to a burglar in a neighborhood. They are probably not going to rob the house with the mean looking dog, electric fence, and the high-tech security system if there is a home with the door unlocked right next to it.
    Well said Chris. Another analogy, many kids have done this. Have you ever wanted something that you had to ask a parent's permission for? Of course you have. And when one says no, you try the next one "just to see", and if you like the response better that is what you go with - right?

    Well, fraudsters are much the same. They keep trying credit cards that they've stolen/generated/etc. on merchant until they get a response they like. You wouldn't ask an angry parent for something you want, why would you attempt fraud on a well protected merchant???
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  7. #7
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    I think it is a great idea.

  8. #8
    Join Date
    Dec 2001
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    Lastly, another step that some people take is to call the issuing bank to verify that there has not been any unusual activity on the card.
    Yes, this is an excellent measure to fight fraud. Whilst the bank will not release information or phone numbers about a particular card, they will usually give "yes" or "no" answers. For example, you can quote a phone number and address to the bank and they can confirm if they are the details associated with the card.

  9. #9
    Join Date
    Feb 2004
    Posts
    390
    We usually:

    A) Verify the IP address with the geo location of the billing address
    B) Decode the area code to see if it matches the area of the billing address

    If both of these don't match, we call the customer and ask them to provide us the last 4 digits of the card they used to order.

    So far we've gotten zero frauds past us (and we've caught a LOT - nearly 50% are fraud).

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