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Originally Posted by ebus_dk
Weather or not NATS or paycom deals with the fake sign-ups, I cant comment on it. There don't seem to be any problem with our sites, but I don't know what they do in the other end toward the end-user/surfer
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i dont mean that they deal with fake signups, i mean that stolen cards get past them. some kid can easily grab a card number from a forum for stolen cc #'s and join a site with it. he can get caught by their system sometimes for example, because they can verify in real time how many times that card was used that day, with what frequency and so on, so they would know if a stolen card was posted and it was suddenly used 5 times in 20 seconds. but its not always fullproof.
in our case for example with live video chat, we have learned from experience that a womans name on a card means 99% chance of it being a stolen card, mothers card, wifes card etc etc and will ultimately be charged back for us. live chat also has much higher transaction volumes per card/user so we have that added vulnerability that a pay site does not.
anyway, i wish you luck. with epoch, you will know in 60 days if they are valid or not as the chargebacks are processed and posted to your stats. but i would be weary. we had a huge rush of stolen cards with womans names in the last few months - most of them mastercard. mastercard is cracking down and starting to enforce their 1% threshhold since june, so be careful which is a complete nightmare unless you have a very high transaction volume.