3 ms·
>who are you (as a random online service) to assume you can act as my big brother? we're the people who suffer the consequences of the fraud. if your card get
by notatoad 3y ago
>who are you (as a random online service) to assume you can act as my big brother?
we're the people who suffer the consequences of the fraud. if your card gets used fraudulently, you call your bank and get the transactions cancelled, no big deal.
if my website lets a fraudulent transaction through, my processing fees go up. if my website lets more than a couple fraudulent transactions through (or not even necessarily frauddulent, but transactions that the issuing banks classify as high-risk) the credit card companies shut off my ability to process payments and my business shuts down. so yeah, sorry if it inconveniences you, but accepting a payment from some random guy who even slightly matches some fraud characteristics isn't worth risking my business over.
- xyst 3y agoyet another reason why credit and debit card companies need to be surgically removed from our lives. They are parasites.
- olyjohn 3y agoWow nice of them to pass the responsibility on to you.
- jrockway 3y agoYup. Having been on this side of the fraud business, I empathize with the OP but will definitely defend overly-aggressive fraud systems. As you make more money, it's less of an impact on your business, and you can tone them down. But at day 1, if people are only signing up for your service to see if their stolen credit card numbers work, there might not be day 2 unless you're aggressive about blocking this. So, sometimes innocent civilians will get caught up in the safety net.