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Originally Posted by murphyd
we were lucky enough to have them solicit us asking if we wanted to accept AE on our adult website, based on our 3 year history of .0032% for chargebacks using MC, Visa & Discover...
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Amex allows adult ... didn't know they'd changed policy - learn something new everyday here.
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Originally Posted by murphyd
...however, when we added AE to our site - the chargeback ratio for them was virtually 100%, even after submitting the transactions to them for approval...
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You mean manually over the phone or something? Not sure how it would make any difference, since Amex outsources their customer service and they simply read/do whatever the computer tells them to do; if you were submitting actual signed charge slips, then you might have something.
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Originally Posted by murphyd
...it turned out that every transaction originated from the same IP, and when i contacted them in the hope of working together to bust an obvious fraudulent situation they werent interested. their comment was 'its your responsibility as the merchant'.
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Amex is basically correct ... ok, yes, many web surfers share the same IP, but if you see numerous transactions coming in from the same IP (or even IP range) in a short period of time, there's likely something very wrong...
Do you ask the customer to enter the card code (4 digit number on front; some Amex cards also have the standard 3 digit on back) - doesn't mean you have to auto-reject transactions without, but it's another fraud tool to screen transactions...
If you already do the above, then perhaps you *may* have something to work with ... if carders have breached card code system security, then Amex certainly could share in the blame for that, since the various card code systems are touted as being secure.
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Originally Posted by murphyd
...so this isnt a personal problem using a AE credit card, its dealing with them as a merchant accepting their cards.
if we cant work with the major credit card companies to minimize the rampent cc fraud online it will never stop!
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Yes, the issuers could do more, but don't out of lazyness, greed, etc ... and mainly because detecting fraud, even with all sorts of fancy computing algorithms, is still very challenging - if they "scrub", to borrow a term from adult processors, too hard, they likely will inconvenience a disproportant number of customers ... too little and situations, such as yours occurs - point is that the merchant, like it or not, plays a paramount role in detecting and reporting fraud.
Perhaps I misunderstand your post - were you checking card codes? Why were groups of transactions from the same IP (or even range) not red-flagged and reviewed before submitting those batches?...
Ron