Good idea Eric regarding welcome package. -- Zeeshan A Zakaria
On Mon, Aug 31, 2009 at 1:07 PM, Eric Chamberlain <[email protected]> wrote: > > On Aug 30, 2009, at 7:45 PM, Zeeshan Zakaria wrote: > > > I charge my customers through PayPal, but recently faced a fraud > > which previously had only heard about. Somebody registered a few > > accounts, paid online with paypal (as my service is only prepaid) > > and started making expensive long distance calls. In fact the IP > > registering the accounts was from Florida, and IPs making calls were > > from Africa. After about 20 minutes the first payment was reversed. > > Then a few times more payments were made, and every payment was > > reversed almost as soon as it was made. Payments were made from > > different PayPal accounts. And then I started getting emails from > > PayPal resolution center that some payments were made by users who > > didn't authorize them. > > > > Obviously either somebody was using stolen paypal accounts, or > > somebody knows that he can pay and reverse the payment and in the > > meanwhile make enough long distance calls. What is really fishy that > > reversals were made almost as soon as the payments were made, one > > after another. > > > > Those who are more experienced in this business, please advise how > > to avoid this type of fraud, and which service to use in place of > > PayPal, because PayPal doesn't seem the right payment solution for a > > prepaid VoIP service. Also now that they have all the payments put > > on hold and asking for a resolution, their resolution center is good > > only for shipped merchendise, not for online services. How would I > > prove to them that the buyer who is asking his money back has > > already utilized my service by making lot of international calls, > > which I now have to pay for to the carrier. > > Despite what PayPal and any of the other processors tell you in their > marketing material, there is very little protection for online > merchants. The only way to be mostly sure, is to accept cash or wire > transfers. > > Having said that, you might want to look into MasterCard's SecureCard > program ( > http://www.mastercard.com/us/merchant/solutions/mastercard_securecode.html > ). I don't remember the exact details when a physical product is not > involved, but the general idea is that if you enroll in the securecard > program, you will be covered from cardholder unauthorized > chargebacks, Visa has something similar. AmEx has a number you can > call and they will verify transactions over $250 with the card holder. > > You might also want to consider shipping a welcome packet to the > customer, that may cover you under PayPal's physical goods terms. > > -- > Eric Chamberlain, Founder > RF.com - http://RF.com/ > > > > > > > > > _______________________________________________ > -- Bandwidth and Colocation Provided by http://www.api-digital.com -- > > AstriCon 2009 - October 13 - 15 Phoenix, Arizona > Register Now: http://www.astricon.net > > asterisk-users mailing list > To UNSUBSCRIBE or update options visit: > http://lists.digium.com/mailman/listinfo/asterisk-users >
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