On Thursday, July 05, 2012 09:52:50 PM Ann wrote: > everyone, thanks for the in put. The cc validation is a you get what > you pay for. So for complete validation, e.g. billing address, phone, > etc. you pay a lot more for each transaction. My customer gets very > little fraud so the cost is too great for the benefit.
We don't, and your customer should check around. One good and often forgotten possible merchant bank is PayPal; in addition to their usual service they offer one that's just like a full merchant account but with reasonable pricing, and they don't have different pricing levels for qualified vs non-qualifdied. The CVS is a must; many merchant banks will charge you unqualified rate on all without it. > He is not getting much fraud, but he thinks they are using his site to > figure out which cards will work and which will not. they are not even > bothering to put in a shipable address most of the time so they don't > expect to get product shipped. He believes they are just sifting > through cards looking for ones they can use. Now this is where he gets what he pays for; if he doesn't pay for protection, then one day he will be stung, and then he'll find he doesn't have any protection because he doesn't have a signature (read the contract; if you don't have a signature, even for electronic transactions, the merchant bank can always get their money back from you, unless you've taken all the steps and he didn't pay for the protection. I've been taking cards since the late 1970s, protection has always been important. > I believe most of the vendors do almost no validation on the cc, just > the 3/4 digit code plus your name. I believe you're wrong. I know what we do; I know what we recommend our clients do, I know that when I make a mistake on a site and get something even mildly wrong (for example, transposing a number in a zipcode or address) I always get my card refused. Your mileage, and your customer's mileage, may well vary. Jeff -- Post Office Box 52200, Riverside, CA 92517 My jplists address used on lists is for list email only Phone +1 909 266-9209 _______________________________________________ LinuxUsers mailing list LinuxUsers@socallinux.org http://socallinux.org/cgi-bin/mailman/listinfo/linuxusers
