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What is card testing?

If a fraudster wants to check that they can use their stolen card data to make purchases, they may run test transactions on e-Commerce stores. If the transactions are approved, the fraudster knows that the card data is valid and that they can then continue to use the card data for further transactions.… Read More “What is card testing?”

What can I do to help prevent fraud on my e-Commerce store?

To help prevent fraud on your e-Commerce store, we recommend you include additional security features on your website. Fraudulent transactions on your e-Commerce store may result in chargebacks or additional processing fees for each transaction.
We recommend that you include at least one of the following security features on your e-Commerce store:

CAPTCHA

Add a CAPTCHA to your store to identify whether users are humans or bots and prevent bots from running fraudulent transactions.… Read More “What can I do to help prevent fraud on my e-Commerce store?”

What is AVS?

Address Verification Service (AVS) is a fraud prevention service for card-not-present transactions and keyed transactions.
AVS prompts the cardholder to provide their billing address when they are entering their payment card details at the checkout. AVS then compares the billing address that the cardholder provides with the registered billing address for the payment card.… Read More “What is AVS?”

What is 3-D Secure?

3-D Secure is a fraud prevention tool that provides additional security for online transactions. Issuing banks use 3-D Secure to help verify the cardholder’s identity during a transaction.

Note: Using 3-D Secure shifts the liability for chargebacks to the cardholder or issuing bank.
… Read More “What is 3-D Secure?”

What additional evidence can an e-Commerce merchant provide to defend against chargebacks?

In addition to the actions described in What is a chargeback?, you can also provide the following evidence:

Evidence of the cardholder’s actions

  • Evidence that the cardholder used in a previous transaction that they didn’t dispute, for example:
  • IP address
  • Email address
  • Physical address
  • Telephone number
  • Transaction history if the cardholder is registered online, for example:
    • Type of device they used to checkout
    • IP address
    • Time and date of purchase
  • Evidence of the cardholder accessing your website after the transaction date
  • Evidence that the cardholder’s email address they used at the time of the purchase matches the email address they used to receive digital goods
  • A pickup form with the cardholder’s signature and a copy of their identification
  • A release form or waiver that the cardholder signed that allows you to deliver packages to the cardholder’s address without requiring a signature, and an unsigned Proof of Delivery (POD)
  • Evidence that the cardholder agreed to accept the goods or services as provided
  • Evidence that the cardholder has the goods or is using the service, for example, photographs or emails

    • Evidence of your actions

    • Written correspondence between you and the cardholder, which may include:
    • Letters
    • Emails
    • Photographs
    • Faxes
  • Invoice or Proof of Delivery (POD) that shows you shipped the goods before cancellation and the cardholder hasn’t returned them
  • Evidence that you shipped the goods to a positive AVS address and you obtained Proof of Delivery (POD)
  • A signed POD for domestic only deliveries
  • Evidence of shipping and delivery of any replacement goods
  • Explanation of why the transaction dates, your merchant name, or your merchant location is different to what the cardholder thought it would be

    • What can I do to help prevent chargebacks?

    … Read More “What additional evidence can an e-Commerce merchant provide to defend against chargebacks?”