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I don't have any evidence I can point to. However, I can reference the hundreds of millions of dollars processed through various payment systems I oversaw to s
by jasonlotito 13y ago
I don't have any evidence I can point to. However, I can reference the hundreds of millions of dollars processed through various payment systems I oversaw to state that if you were trying to pay through a VPN, it would classified as extremely high risk, and outside of a few extenuating circumstances, we'd simply deny the transaction.
When researching the various scoring mechanisms, we generally find that the VPN was generally just used for masking purposes, so we'd see multiple attempts go through using multiple names and addresses.
Also, the chances of getting a stolen card response back from the bank was much higher.
This isn't to say that a VPN means you are a thief. What it does mean, however, is that the risk far outweighs the potential benefits.
- weavejester 13y agoIsn't paying through a VPN a rather different matter to paying for a VPN? I mean, there's no point to using a privacy VPN to hide your identity only to then give out your credit card details, so it sounds like an inherently biased scenario.
- kbenson 13y agoIf you are going to use a VPN to charge stolen credit cards, you sure aren't going to use a real credit card to purchase the VPN service, which could then be linked back to you.
- weavejester 13y agoThat's true, but I don't see how that relates to the point.
- _mulder_ 13y agoWell I imagine it might go something like this: Bad guy gets CC details Uses stolen CC to sign up to VPN Goes on a shopping spree via the VPN so law enforcement can't trace him So you're going to see more use of VPNs by fraudsters trying to hide than you are genuine users... hence the ban.
- weavejester 13y agoI agree that some users use VPNs for credit card fraud. What I find hard to believe is that the majority of VPN users are committing credit card fraud. If nothing else, it would be difficult for VPNs to make a profit if they had that many chargebacks.
- jasonlotito 13y ago> What I find hard to believe is that the majority of VPN users are committing credit card fraud. The problem isn't the majority. The problem is just a significant amount. Keep in mind how low the chargeback rates need to be to avoid serious penalties. Also, keep in mind the number of people isn't the issue, but it's the number of fraudulent transactions that occur. One person can attempt many. It's an attack vector, and one person can cause problem for many, many customers.
- weavejester 13y agoYou seem to be reading more into my comment than I put into it. I'm not saying anything more than I find the original assertion that the majority of VPN users use stolen credit cards to be unlikely.
- kbenson 13y agoAdditionally, while a legitimate VPN user most likely will only need one VPN, someone interested in committing fraud may want many. The relevant metric is not the number of users, but the number of accounts.