>Address and card code are checked but come >back as extra information that a lot of the merchants don't use.
You usually can configure in the settings for the gateway how to use the address verification and card code. You can set it to reject orders that fail a certain way, and it can be used as well when calculating fraud scores. As I mentioned previously, use of these can help reduce not only fraud, but also your merchant fees...which tend to be higher for online transactions. And they can go even higher if you run into lots of chargebacks due to fraud. It's something I've learned a lot about since my software is available for sale immediately after purchase...yet use of these has reduced my chargebacks to maybe 1 or 2 a year. My biggest gripe is that even when something like address verification fails, it fails at the gateway level, not at the bank level...meaning as far as the customer's bank is concerned it was a valid transaction, and the funds get locked up for a day or two. Often times the customer will call and complain that I charged their card and their order didn't go through...when from my end it was a failed transaction. Just one of the joys of doing online business. --- Mary Jo ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~| Introducing the Fusion Authority Quarterly Update. 80 pages of hard-hitting, up-to-date ColdFusion information by your peers, delivered to your door four times a year. http://www.fusionauthority.com/quarterly Archive: http://www.houseoffusion.com/groups/CF-Talk/message.cfm/messageid:254344 Subscription: http://www.houseoffusion.com/groups/CF-Talk/subscribe.cfm Unsubscribe: http://www.houseoffusion.com/cf_lists/unsubscribe.cfm?user=89.70.4
