While stressing the lack of security with buyers, real insecurity leads the merchant. Know how to detect fraudulent behavior and prevent online fraud.
There is long-standing and certain fraudulent conduct with credit cards on the Internet and in all cases, there are two victims: the cardholder who have stolen your plastic and the merchant.
In this lies the burden of proving that the operation really existed and that the product was delivered and accepted by the buyer. Cards to protect their customers require all kinds of tests and at the slightest doubt debited from the merchant’s account the amount questioned, accreditation to its customers.
While technology is to help traders registering the IP address of the purchaser, and applying various anti-fraud procedures should always keep in mind the following tips and at least take precautions.
1. New buyers
Every new customer has the implicit risk of absolutely everything he or she is unknown. No history and therefore be impossible to verify its past conduct. The advice is, know. Try to establish long-term relationships.
2. Larger than normal purchases
Stolen cards have very short active life so that thieves will try to take advantage in the shortest time possible. Instead of getting happy for large orders, suspect them, and then double-check data from your buyer.
3. Shopping with many repeated items
As in the previous case, this should be taken as a warning rather than as a joy.
4. Buyers rush
Beware orders fast shipping night. Beyond the compulsiveness of any buyer, an impostor wants to receive the goods sooner obtained by illegal means.
Where the email given orders is one of the web-based services (webmail).
It is the easiest way to hide the identity and scammers usually use it in their criminal rounds. Nobody in their right mind would give real data if trying to scam you. Therefore, ask these e-mails are not used.
6. International addresses
Far from being a discriminatory measure, it happens that there is no address verification (AVS: Address Verification Service) outside the US.
Only a few countries are included in this system by means of which the first 5 numeric characters are contrasted the cardholder address and your zip code with your card numbers.
At this point, we must make a clarification. These standards are issued by the own credit cards, they obviously have their headquarters in the US and is where e-commerce has reached the highest level of development.
Far from rejecting international purchases, it simply suggests that pledge a warning light in these cases and extreme caution. Before buying an international warrant will be much more difficult to prove that you delivered the goods.
7. Shopping Repeated
Look carefully repeated purchases on the same day. Again a criminal who succeeded with his shop the first time, will insist until you reject the purchase.
8. Observe delivery addresses
If there is an address that is repeated even though the purchase is paid with multiple cards, not all passengers are buying a hotel in your store. Surely, it is against attempted fraud.
9. Be careful with repeated homes
Contrary to the above, take special care with multiple transactions from one card ordering shipments to different delivery addresses.
10. Differences in homes
If you find that the billing address is different from delivery, watch. It is a clear warning sign. Of course, do not take it so hard because if you sell flowers, it is very likely that the groom does not want the bride finds out how much you paid and also deliver the bouquet at home.
To take all these precautions your shop must be backed by a certain level of technology and already manage their own Merchant Account. It is not going to find economic solutions or outsourced billing services.
In these cases, most likely lose excess occasional care sales and purchasers go very frustrated and guilt.
It is also important to understand that those who deliver digital products, are more vulnerable than those who sell tangible goods where there is always a delivery to a person with a signed receipt. As an additional advice, seek experienced logistics providers and support.
Do online business involves taking some risks but if you can minimize the cautious. Also in the real world there is fraud, and so far, more than in the network.