to Reduce Online Fraud for Sellers
but understandably and probably quite rightly, the merchant
banks have stacked things in favour of the consumer.
sale you were pleased with a month ago has turned out to be
fraudulent and have just had a chargeback. Doh!
This is not only an inconvenience but is potentially able to
as a business that can't afford to have your credit card
facility taken away from you, you have to be especially
I had one customer complaining that 50% of their
were fraudulent !!!
a few things to look out for.
Check ALL Orders Visually.
Look out for things that don't match and ensure that all the
has been filled in correctly. Very often fraudulent orders 'feel
Trust your instincts and if it feels wrong - treat it
Check the Delivery Address.
If the delivery address isn't the same as the cardholder's
- be especially careful and find exactly what is happening
you deliver the goods.
You can use Address Verification Service
(AVS Provided by most merchant processors) to ensure that any
info you've been given matches up properly. If it doesn't be
- Save It!
Keep all relevent documantation and record all calls, save all
and keep all letters for at least 12 months - possibly longer - it
be required as evidence.
4 - Check the Email Address
'Free' email addresses like Hotmail account for a huge
of the fraudsters. You might even want to implement a policy of
taking order from 'free' email accounts. One company I read
had ZERO fraudulent after implementing such a policy, with
or no affect on their conversion rate.
shoppers will not mind supplying a 'proper' email address when
they know your reasons for asking them and indeed the ISP they use
the internet will have almost certainly supplied such an address
- Check their domain name
IF they have one(most business customers will), check the domain
who the domain is owned by
Tip, for .COM .NET. ORG .BIZ etc visit :http://www.networksolutions.com/
and click the "WHOIS" link at the bottom.
For .CO.UK .ORG.UK etc go to :
http://www.nominet.org.uk/ and use the "whois" lookup
if the domain is registered to Captain Blackbeard
Johnson's Meat Supplies or whatever was on the contact
- you know to treat it as suspicious/fraudulent.
Check the IP Address.
you shopping cart software has the ability to display the IP
you can often see where the client is and match up the server they
to place the order with the address they supplied on the shopping
Using the Geo-IP address like this this isn't foolproof but
if you see
blatant orders where the IP address is Nigeria instead of Leeds
you'll know what to do!
Check the Phone Number
Insist on having a contact telephone number and call it up for
"Customer Feedback" and ask questions about the order
if it 'feels right'.
If necessary, email them 2 or 3 times to ask them for their phone
up on a point of delivery for example. Additionally, you can buy a
of phone numbers on a CD.
to try and see if they're
at least registered.
(Hey, I tried it on myself and it worked and I thought I was
Lookout for Unusual or higher than usual Order Amounts
Fraudsters are basically stealing your stuff so they
high overnight/next day delivery charges. The order value may be
and may occur especially at holiday seasons for some
Put Signs Up.
Just like having a dummy box burglar alarm to deter thieves,
notices, saying that you'll prosecute all fraudsters and that
you subscribe to "INTERPOL FRAUD GROUP" or some such
not scare them away - to simply go somewhere else but hey - at
left you alone!
any more advice or feedback on this issue that I can pass on as
is the scourge of the web, along with spam, phishing, viruses
- Checkout http://www.mklink.com/training/
to get More Tips & Advice.
'till next time,
Knight. MKLINK Internet