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?”
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:
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?”
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?”
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?”
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:
Transaction history if the cardholder is registered online, for example:
- IP address
- Email address
- Physical address
- Telephone number
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
- Type of device they used to checkout
- IP address
- Time and date of purchase
Evidence of your actions
- Written correspondence between you and the cardholder, which may include:
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?”
A pre-authorization temporarily holds funds in the customer’s account, which you later capture when you finalize the sale. You can use a pre-authorization to make sure customers pay for the services you provide, for example, at the start of their hotel stay or when they hire a car.… Read More “How do I run a pre-authorization?”