11-06-2007, 03:26 AM
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So Fucking Banned
Join Date: Feb 2006
Posts: 7,391
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Quote:
Originally Posted by After Shock Media
They should be more forthcoming about the policy. I have been hit several times with the same damn thing. Everything just about screams instant and then latter you find out instant means something like when I feel like it. Also it does nothing to stop fraud. They will not know if it was a stolen card by the next day, at most they maybe clear a batch and just know it went through cause they were to lazy to auto process.
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I agree, its a deceptive practice. And it does cut down on fraud. You never KNOW if its a stolen card until the charge back comes. But you can screen the orders and kill those that are obviously fraudulent.
For instance, consider this order:
Inbound AMEX order, ticket $299. Customer provides billing addresses of Steve Smith, 123 Main Street, Columbus, OH 43228, e-mail address of [email protected] and phone number of (405) 555-4040. IP address in Russia. AVS does not match, CVV matches. You call phone number and get a generic OGM. Reverse lookup on the phone number gives you an address of 1941 Midwest City Blvd, Midwest City, OK 73079.
This order is fraud because:
- NPA 405 is Oklahoma City, OK. But customer has claimed billing address in Columbus, Ohio.
- Russian IP addresses placing orders with USA billing addresses are highly suspect.
- Phone traces back to an address other than the billing address and in another state.
- Lack of an AVS match indicates fraud in this situation.
- Free e-mail addresses are a sign of fraud.
I can look at orders as they come in and tell - with a great degree of accuracy - which ones are good and which are bad. So delaying fulfillment to examine orders is legit, but the company should be up front with the fact that there is a 24hr hold for fraud screening. |
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