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Subject: Offline Verification of Credit Cards
From: will simmonds
Date: Fri, 09 Feb 2001 11:09:51 -0000

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?
Will Simmonds | Marketing Manager
European Internet Technologies Ltd. | Oxford, UK
Tel +44 (0)1865 728001 | Fax +44 (0)1865 728004
willsateuropean-internet [dot] com

Creative E-business Solutions

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