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I run an ecommerce site and we sell about 50% in the US and 50% overseas and have a lot of fraud attempts pretty much daily (more outside of the US, but plenty

by akcreek 14y ago

I run an ecommerce site and we sell about 50% in the US and 50% overseas and have a lot of fraud attempts pretty much daily (more outside of the US, but plenty in the US). A couple months ago I built some simple checks that dramatically reduced our handling time of fraud cases. The checks include: 1. Has the credit card been used by any other account holder? 2. Has the shipping address been used by any other account holder? 3. Has the phone number been used by any other account holder? 4. Has the billing address been used by any other account holder? If any of those are true a warning or info notice is shown depending on the situation. For example, if the shipping address is used by multiple accounts an info notice is shown as there are plenty of times the same address would be used by multiple accounts (freight forwarder, sending parts to a repair shop, etc...). It reminds the order processor to check it out and verify the order is legit. If the billing, credit card or phone number match it throws a warning as that is far less likely to happen legitimately - which is what you experienced. We don't automatically decline like Newegg did to you, but we do investigate the order thoroughly and if we aren't comfortable with it we will decline or require funds be sent via a verified papal account or wire transfer. We use a lot of other methods for checking fraud; IP, AVS, etc... but these really simple checks have been really helpful because we get hit by the same people over and over again. They try the same card with multiple accounts or use the same shipping address on multiple accounts, etc... If an order has been marked as fraud and any of those checks above hit then the new order is automatically marked as fraud too.

tuxidomasx 14y ago
Would you use an api service that aggregated addresses and could tell you if a given address was known to be associated with fraud? And that let you add addresses to the 'blacklist'.
- akcreek 14y ago
  I would certainly look at it with much interest. Being able to add an address to the list would be fantastic as well since small retailers like us can't combat fraud alone very efficiently.
seany 14y ago
I actually would have no problem with them just telling me "hey you can't use this card because it's in another account." It was the severity of the action that was the most frustrating part. I'm still not sure why when the card was in my account to start with it let my wifes purchase go through, that just doesn't make any sense at all to me.

by akcreek 14y ago

tuxidomasx 14y ago

Would you use an api service that aggregated addresses and could tell you if a given address was known to be associated with fraud? And that let you add addresses to the 'blacklist'.

akcreek 14y ago
I would certainly look at it with much interest. Being able to add an address to the list would be fantastic as well since small retailers like us can't combat fraud alone very efficiently.

seany 14y ago

I actually would have no problem with them just telling me "hey you can't use this card because it's in another account." It was the severity of the action that was the most frustrating part. I'm still not sure why when the card was in my account to start with it let my wifes purchase go through, that just doesn't make any sense at all to me.