What credit card filter settings do you use?

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  • PhounTho
    Confirmed User
    • Jul 2004
    • 157
    #1

    What credit card filter settings do you use?

    I'd like to know what security features y'all enable for your merchant account's gateway, as I just got Paycom set up. I know what the features mean, I'd just like to know what people are using, what works in practical terms. I don't want to set the security bar too high so that it rejects honest people that are just not filling out the fucking form right, and not too low so that I have 20 chargebacks from Bulgaria tomorrow.

    Here's the list of filters.

    Require Correct Address (Full AVS)
    Block Known Bad Domain
    Block Known Bad Email Addresses
    Block Known Bad IPAddresses
    Bin/Merchant Level Blocking
    Card Email Host
    Block Known High Chargeback Countries
    Require Correct CVV2 Code
    Dummy Filter For Testing
    Allow Duplicate Orders
    Block Foreign Master Card
    Block Multi-Card Attempts (Only 2 transactions with same card within 6 hours)
    Block Same IP/Multi-Card and Same Card/Multi-IP Fraud (6 hour window)
    Block Foreign Visa Card
    Block Orders With HotMail.com Email Address
    Block Excessive IP/Card Attempts
    Block Orders With Juno.com Email Address
    Block Cards In The Negative DB
    Block Orders With PoBoxes.com Email Address
    Block Open HTTP Proxies
    Block Orders With RocketMail.com Email Address
    Block Orders With Yahoo.com Email Address
    Require Correct Zip-Code (Zip-Only AVS)

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    Tags: None
    • Richdude
      Confirmed User
      • Feb 2005
      • 160
      #2
      Bump...
      Threads like these should not fall from the 1st page!

        Comment

        • 8 Characters
          So Fucking Banned
          • Jan 2005
          • 2336
          #3
          Block from USA

            Comment

            • PhounTho
              Confirmed User
              • Jul 2004
              • 157
              #4
              8 Characters, are you Bulgarian?

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                Comment

                • 8 Characters
                  So Fucking Banned
                  • Jan 2005
                  • 2336
                  #5
                  No I'm from VietNam, Actually from Luongkok city.. BITCH

                    Comment

                    • Steen2
                      Confirmed User
                      • Feb 2004
                      • 7662
                      #6
                      Block hotmail/yahoo addresses?
                      ICQ: 2262.73945

                        Comment

                        • venus
                          Confirmed User
                          • Jan 2003
                          • 3112
                          #7
                          I only require a valid Cvv2, the rest are off, plus I only use my fraud data base and not the big list.
                          Muscle/Fitness Adult Affiliate Program
                          Since 1997 www.venuscash.com

                            Comment

                            • Tony Montana
                              Confirmed User
                              • Jan 2005
                              • 794
                              #8
                              Here's one that will catch alot

                              Resolve ip to city / state and decline any not matching card
                              I am a marketing Genius.

                                Comment

                                • Mutt
                                  Too lazy to set a custom title
                                  • Sep 2002
                                  • 34431
                                  #9
                                  Originally posted by venus
                                  I only require a valid Cvv2, the rest are off, plus I only use my fraud data base and not the big list.
                                  where did u get your fraud database from?

                                  have u ever tested either of the third party processors, CCBILL and Paycom, on your site and compared it to how you do with your own merchant account?

                                  how many more sales as a % do you think you do with your own processing over sites using third party processors? when was the last month/year you used CCBILL or Paycom?

                                  thanks - lots of questions - you don't have to answer them if u dont want
                                  I moved my sites to Vacares Hosting. I've saved money, my hair is thicker, lost some weight too! Thanks Sly!

                                    Comment

                                    • venus
                                      Confirmed User
                                      • Jan 2003
                                      • 3112
                                      #10
                                      my fraud database that I select to use are the people I personally add to it for chargebacks, refunds and such.

                                      I have used several third party processors, I have been running my site since 1997, I have used ibill and DMR, I still have rebills thorugh ibill.

                                      I dont know about percentages, but what I made monthly jumped allot after switching to a merchant account - my take home is allot higher also since I pay only a fracton of what I would be giving to a third party processor for processing.

                                      Originally posted by Mutt
                                      where did u get your fraud database from?

                                      have u ever tested either of the third party processors, CCBILL and Paycom, on your site and compared it to how you do with your own merchant account?

                                      how many more sales as a % do you think you do with your own processing over sites using third party processors? when was the last month/year you used CCBILL or Paycom?

                                      thanks - lots of questions - you don't have to answer them if u dont want
                                      Muscle/Fitness Adult Affiliate Program
                                      Since 1997 www.venuscash.com

                                        Comment

                                        • PhounTho
                                          Confirmed User
                                          • Jul 2004
                                          • 157
                                          #11
                                          Thanks all. Incidentally, Paycom is not a 3rd party processor. You still need your own merchant account. They just handle the subscription managment and gateway for a nice price of $0.85 per transaction.

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