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Articles tagged: e-commerce

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. Read more

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

In addition to the actions described in How can I defend myself against chargebacks?, e-Commerce merchants can also provide the following additional information: Evidence of cardholder actions If applicable, you should provide evidence of the following: Transaction was completed by a member of the cardholder’s household Transaction used data that the cardholder used in a previously undisputed transaction, for example, the cardholder used one of the following: – IP address – Email address – Physical address – Telephone number Transaction history for registered online users, for example, provide the following: – Device type – IP address – Time and date of purchase Cardholder accessed your website after the transaction date For digital delivery, provide the following: – The cardholder’s email address used at the time of purchase matches the email address used to deliver digital goods For site-to-store delivery, card not present, provide the following: – Cardholder signature on the pick-up form – Copy of cardholder identification Release form or waiver signed by the cardholder that allows packages to be delivered to the cardholder’s address without requiring a signature, and provide an unsigned Proof of Delivery (POD) Cardholder agreed to accept the merchandise or services as provided Direct connection between the cardholder and the person who received the merchandise or services, for example, provide the following: – Photographs – Emails Cardholder disputing the transaction has the merchandise or is using the service, for example, provide the following: – Photographs – Emails Evidence of your actions If applicable, you should provide evidence of the following: Verified by Visa was used Written correspondence between you and the cardholder, including the following: – Letters – Emails – Photographs – Faxes – Any other written correspondence Invoice or Proof of Delivery (POD) showing that merchandise was shipped before cancellation and has not been returned You shipped the merchandise to a positive AVS address and obtained Proof of Delivery (POD) – Domestic only—signed POD may be required to assist with resolving the chargeback Delivery, or evidence that the goods or services were delivered as directed by the customer Shipping and delivery of any replacement merchandise Explanation of any differences when transaction dates, merchant name, or merchant location differ Read more