DSD, we are using PaySystems and have the exact same problem, thats why I was asking about it. I have seen in many cases non-fraudulent orders not go through and very clearly fraudulent orders go through. I had one case where someone tried 10 times with variation to details, and they still processed it.
As a more reliable solution we will be looking into Authorize.net, this way we can validate all orders for fraud.
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WE use Authorize.net/FraudGuardian.com It isn't perfect but with the ModernBill integration it has cut our Fraud way down.
And, even if it is a lost sale, the good feeling I get letting someone know there card needs to be cancelled and knowing I was able to protect them from future fraud when doing call backs on high fraud score orders is nice.
Actually, it uses email address, reverse on domain, IP whois, ip trace, credit card bin, etc..
It then sets a fraud score between 0 and 10.
Then in ModernBill (or you can build your own API) you can set limits on how to react to what level fraud score. We have ours set to certain levels of fraud to only authorize the card, not charge and don't create the account so we can verify. Others, when the numbers low enough, we never even see.