Offline Verification of Credit Cards

[will simmonds]

How else can credit cards be verified in Card Holder Not Present

transactions.  It has been suggested that you can check details against

directory enquiries and the electoral role to ensure that the address /

phone number details do match up.  Is there anything else that can be done?


One of our sites has been having a lot of chargebacks due to fraudulent use

of credit cards where the transactions have been authorised as the credit

limit is available and the card is not yet reported stolen / cloned etc.

When the transaction is later highlighted as fraudulent it is then

chargedback by the credit card company to the Merchant account.

Obviously some off line checks are required - but what?

thanks

Will

--

Will Simmonds | Marketing Manager

European Internet Technologies Ltd. | Oxford, UK

Tel +44 (0)1865 728001 | Fax +44 (0)1865 728004

willseuropean-internet [dot] com

Creative E-business Solutions

http://www.european-internet.com