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for what I have understood the credit cards he is using have different names on them...
-> this exactly the problem.
we indentified a fraud (3 cards on DIFERENT NAMES used by the same client).
we ask merchant and customer to provide us id scan and card scan : no answer from anybody.
the merchant (based in Russia with offshore company, normaly we don't accept but as we are located in Estonia we make some exception with Russia sometimes) was desactivated because he was not responding to our emails.
he came back to us to ask why he was desactivated, we explained him about the fraudulent payments. his answer was : I'm going to post everywhere the story if you don't pay me and don't reactivate my account.
conclusion :
we suspect the merchant to have initiated the frauds himself, so account closed and funds will blocked 180 days (chargeback expiration delay) after the last transaction, which is a classical way to proceed in credit card processing.
I have 10 Credit Cards
-> we do accept people with several credit cards...if the cards belongs to the same person.
best regards
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