We handle credit card (and UK direct debit) fraud by assigning a fraud score to every single credit card submission. We generate the score at the time of purchase but using MaxMind and checking if the billing address of the credit cad matches the IP country, checking if the billing is one of the high fraud countries and a few other historical items (delivery addresses etc). If the total fraud score crosses a threshold the orders are put into a holding table and are reviewed by someone to determine if the orders do look dodgy. If they are false positives then we allow them to be processed, if not we reject the order. We do pre-authorisations on the card so we never store the CC information during the review process. Someone mentioned using 3D Secure and that has help us out a lot in reducing spam. We've seen it all from Vietnam to Ghana and even a few originating in the US with US credit cards but with shipping addresses in the far east or africa. We also block certain known IPs/cards/countries and display a message that there was a problem with the order, please call us to complete the purchase. Legit customers call, fraudsters don't! Our system works pretty well and doesn't rely on systems that may prevent legit people from submitting forms, which to be honest prevents bot spamming but doesn't help much with credit card/payment fraud.
Best Regards, Donnie Bachan "Nitendo Vinces - By Striving You Shall Conquer" ====================================================================== The information transmitted is intended only for the person or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of, or taking of any action in reliance upon, this information by persons or entities other than the intended recipient is prohibited. If you received this in error, please contact the sender and delete the material from any computer. On Thu, Aug 23, 2012 at 10:00 PM, Casey Dougall - Uber Website Solutions < [email protected]> wrote: > > On Thu, Aug 23, 2012 at 4:54 PM, Byron Mann <[email protected]> wrote: > > > http://www.maxmind.com/app/ccfd_features > > > > this is a pretty good service and very affordable. You might be able to > hit > > them up for a free account if you are a non profit. > > > > This is also built into Authorize.net as well. Its an option something > like an extra 10 or 15 a month. > > ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~| Order the Adobe Coldfusion Anthology now! http://www.amazon.com/Adobe-Coldfusion-Anthology/dp/1430272155/?tag=houseoffusion Archive: http://www.houseoffusion.com/groups/cf-talk/message.cfm/messageid:352304 Subscription: http://www.houseoffusion.com/groups/cf-talk/subscribe.cfm Unsubscribe: http://www.houseoffusion.com/groups/cf-talk/unsubscribe.cfm
