Albuquerque, Ann Arbor, Atlanta, Bakersfield, Big Island, Birmingham, Bismarck, Boise, Burlington, Charlotte, Cincinnati, Daytona, Delaware, Des Moines, Detroit, Dothan, Eugene, Fort Myers, Ft Wayne, Ft Lauderdale, Gainesville, Greenville, Honolulu, Houston, Huntsville, Indianapolis, Jacksonville, Kansas City, Los Angeles, Louisville, Maine, Manhattan, Merced, Miami, Milwaukee, Minneapolis / St Paul, Modesto, Montana, New Hampshire, New Orleans, Northern Michigan, North Jersey, North Mississippi, Northwest Georgia, Oklahoma City, Omaha, Panama City, Philadelphia, Providence, Quad Cities, Western Illinois, Richmond, Sacramento, San Antonio, San Diego, Sarasota, Seattle, South Bend, Southern West Virginia, Southwest Michigan, Syracuse, Tallahassee, Tampa, Terre Haute, Topeka, Tri-cities, Tuscaloosa, Western Kentucky

http://www.capitalpublications.com http://www.government-grants-org.comhttp://www.scholarships-education.com
http://www.government-news.org/legitimate-work-at-home-jobs.html
http://www.government-news.org http://www.government-grants-applications.com
http://government-grants-gov.org http://www.kazzoom http://www.chukki.com
http://www.government-grants-press-releases.org

http://www.capitalpublications.com/debt-consolidation/
 Albuquerque, Ann Arbor, Atlanta, Bakersfield, Big Island, Birmingham, Bismarck, Boise, Burlington, Charlotte, Cincinnati, Daytona, Delaware, Des Moines, Detroit, Dothan, Eugene, Fort Myers, Ft Wayne, Ft Lauderdale, Gainesville, Greenville, Honolulu, Houston, Huntsville, Indianapolis, Jacksonville, Kansas City, Los Angeles, Louisville, Maine, Manhattan, Merced, Miami, Milwaukee, Minneapolis / St Paul, Modesto, Montana, New Hampshire, New Orleans, Northern Michigan, North Jersey, North Mississippi, Northwest Georgia, Oklahoma City, Omaha, Panama City, Philadelphia, Providence, Quad Cities, Western Illinois, Richmond, Sacramento, San Antonio, San Diego, Sarasota, Seattle, South Bend, Southern West Virginia, Southwest Michigan, Syracuse, Tallahassee, Tampa, Terre Haute, Topeka, Tri-cities, Tuscaloosa, Western Kentucky

http://www.capitalpublications.com http://www.government-grants-org.comhttp://www.scholarships-education.com
http://www.government-news.org/legitimate-work-at-home-jobs.html
http://www.government-news.org http://www.government-grants-applications.com
http://government-grants-gov.org http://www.kazzoom http://www.chukki.com
http://www.government-grants-press-releases.org



 Albuquerque, Ann Arbor, Atlanta, Bakersfield, Big Island, Birmingham, Bismarck, Boise, Burlington, Charlotte, Cincinnati, Daytona, Delaware, Des Moines, Detroit, Dothan, Eugene, Fort Myers, Ft Wayne, Ft Lauderdale, Gainesville, Greenville, Honolulu, Houston, Huntsville, Indianapolis, Jacksonville, Kansas City, Los Angeles, Louisville, Maine, Manhattan, Merced, Miami, Milwaukee, Minneapolis / St Paul, Modesto, Montana, New Hampshire, New Orleans, Northern Michigan, North Jersey, North Mississippi, Northwest Georgia, Oklahoma City, Omaha, Panama City, Philadelphia, Providence, Quad Cities, Western Illinois, Richmond, Sacramento, San Antonio, San Diego, Sarasota, Seattle, South Bend, Southern West Virginia, Southwest Michigan, Syracuse, Tallahassee, Tampa, Terre Haute, Topeka, Tri-cities, Tuscaloosa, Western Kentucky

http://www.capitalpublications.com http://www.government-grants-org.comhttp://www.scholarships-education.com
http://www.government-news.org/legitimate-work-at-home-jobs.html
http://www.government-news.org http://www.government-grants-applications.com
http://government-grants-gov.org http://www.kazzoom http://www.chukki.com
http://www.government-grants-press-releases.org

How To Prevent Fraudulent Credit Card Transactions


What Are Possible Signs of Fraudulent Transactions see at Web Hosting Companies?

  • Customer wants to pre-pay for a year

  • Domain Name Registration for 5 years or more

  • Orders using free email address providers like Hotmail, Yahoo, etc.

  • Usage of multiple cards to complete order.

  • International address. AVS can not validate those international addresses.

  • Multiple purchases in a short time period.

  • The customer and billing addresses are different.

AMEX, VISA, and MasterCard implemented a security feature known as "CVV2" and "CVC2". These are the three-digit or four-digit numbers printed on the back side or front side (depending on card company) of the card (signature panel) to the far right. The three/four-digit code helps to validate that the cardholder has the card in his possession. You can include the code in your transaction processing and need to receive a match to successfully complete the transaction. If you are using a shopping cart for your hosting sign-up process, make sure that it is capable of collecting and processing these numbers. IMPORTANT: The ToS of the credit companies state that you are not allowed to store these numbers.

Use Address Verification Service (AVS) on all US transactions to verify the billing information provided in the order with what is on file with the card issuing bank. As a bare minimum, the zip code should successfully match before the transaction is approved and you hand out the account information. You should retain the response information for some time in case of a chargeback.

The possible AVS messages are:

Y ? Exact match on street address and 5 or 9 digit zip code.

A ? Address matches, zip code does not

Z ? zip code matches, address does not

N ? No match.

U ? Address information is unavailable or Issuer does not support AVS. These transactions are only applicable for Visa and the merchant isn't responsible for chargeback liability.

R ? Issuer authorization system is unavailable, retry later

E ? Error in address data ? unable to complete check.

G ? non-US Issuer not participating in AVS - Visa only. The error messages will vary from one provider to the next. Contact your provider for more information.

S ? Address information is unavailable or Issuer does not support AVS - MasterCard only.

The most important warning sign of fraudulent transaction are international orders. It is very sad to be so generic with this statement but the percentage of having a fraudulent orders goes up immediately if the order comes from a non-US location. Be aware of cities or countries with high rates of fraudulent transactions. Malaysia, Indonesia, and most countries of the former Soviet Union tend to be source of many fraudulent orders.

The most effective way to help eliminate fraud or chargeback's is to simply call the customer. A confirmation over the phone is most definitely advised for any large transactions. If you process a fraudulent transaction, not only do you lose the funds, but the product/service as well. A phone - even if it is international will save you a lot of hassle in the long run.

What if you find a transaction to be suspicious? Contact your authorization center and let them know you are concerned about the transaction. They will look at the transaction and may give you advice. You should also call the customer to request additional information (copy of drivers license or Passport as an example). Check the IP address of the sign-up and see where it is globally. Does it matches the customers address at least by country? Send a confirmation email to the customer verifying their order.

It may be a good policy to only accept orders with identical Customer and billing addresses.

Maybe you want to scrutinize international orders as your protection against these consumers is very minimal and not accepting them could be a wise choice for your web hosting business.

Placing fraudulent notices, buttons and images on your web site and order forms will help discourage any person trying to place a fraudulent order. Make sure that the customer will se upfront that you are recoding the IP address and that you will notify the law enforcement agencies if needed. It might not protect you in every case but eventually it will help to cut down the number of fraudulent orders.

This article can be published by anyone as long as a live back link to http://www.webhostingresourcekit.com is provided.

About The Author

Christoph Puetz is a successful small business owner (Net Services USA LLC) and international author.

Guides, Tutorials, and Articles for small businesses - http://www.webhostingresourcekit.com

 Albuquerque, Ann Arbor, Atlanta, Bakersfield, Big Island, Birmingham, Bismarck, Boise, Burlington, Charlotte, Cincinnati, Daytona, Delaware, Des Moines, Detroit, Dothan, Eugene, Fort Myers, Ft Wayne, Ft Lauderdale, Gainesville, Greenville, Honolulu, Houston, Huntsville, Indianapolis, Jacksonville, Kansas City, Los Angeles, Louisville, Maine, Manhattan, Merced, Miami, Milwaukee, Minneapolis / St Paul, Modesto, Montana, New Hampshire, New Orleans, Northern Michigan, North Jersey, North Mississippi, Northwest Georgia, Oklahoma City, Omaha, Panama City, Philadelphia, Providence, Quad Cities, Western Illinois, Richmond, Sacramento, San Antonio, San Diego, Sarasota, Seattle, South Bend, Southern West Virginia, Southwest Michigan, Syracuse, Tallahassee, Tampa, Terre Haute, Topeka, Tri-cities, Tuscaloosa, Western Kentucky

http://www.capitalpublications.com http://www.government-grants-org.comhttp://www.scholarships-education.com
http://www.government-news.org/legitimate-work-at-home-jobs.html
http://www.government-news.org http://www.government-grants-applications.com
http://government-grants-gov.org http://www.kazzoom http://www.chukki.com
http://www.government-grants-press-releases.org
home | site map credit repair
© 2006

credit
credit
Z
credit
credit
credit
paid surveys
credit
credit
online survey jobs
credit.
Zyban SR
Zyflo
Zyprexa
Zyrtec
government grants-D
Zyvox
GOVERNMENT GRANTS NEWS TOLL FREE 888 384 9607
Washington DC New Government Grants Service offers applications prepared for ...
GOVERNMENT GRANTS NEWS TOLL FREE 888 384 9607
Washington DC New Government Grants Service offers applications prepared for ...
RSS 2.0
MyYahoo
  • Free Cash Grants Debt -EDU Home$1000 GIFT FREE INFO 800 306 0873 888 384 9608 24HRS Few people realize the federal government has billions of dollars in government grants, government loans and business services that go unclaimed every year. ...
    Fri, 10 Nov 2006 19:45:14
  • Government Grants Service 50 States 888 384 9608 24hrs Government Publications Offers New Grants Service Now is the time to act if you need to earn extra money for up coming energy bills,gas for transportation or ...
    Fri, 10 Nov 2006 16:44:30 Feed last updated on 2006-11-10T19:45:45+00:00 government grants $20,000 Study Abroad
    government grants & loans $ Transmissions
    government grants $800,000 Innovative technology
    government grants $500 for Car Repair
    government grants $20,000 Start a Free Newspaper
    government grants & loan $200,000 buy a franchise
    government grants $500,000 Flight Tests
    government grants $5000 Home Purchase
    government grants $ 20,000 Salon
    government grants & loan $50,000 Day Care Center
    government grants $25,000 Learning Center
    government grants $500,000 Popcorn
    government grants $500,000 Aluminum Recycle

    Government Grants | Government Grants | Government Grants | Government Grants | Government Grants | Government Grants | Government Grants | Government Grants | Government Grants | Government Grants | Government Grants | Government Grants | Government Grants | Government Grants | Government Grants | Government Grants | Government Grants | Government Grants

    . http://capitalpublications.com/4_government_jobs.html

    http://capitalpublications.com/45_free_government_grants.html
    http://capitalpublications.com/43_free_government_grants.html
    http://capitalpublications.com/43_government_grants.html
    http://www.capitalpublications.com/43_government_jobs.html
    http://www.capitalpublications.com/43_loan_broker.html
    http://www.capitalpublications.com/43_online_survey_jobs.html
    http://www.capitalpublications.com/43_paid_survey.html
    http://www.capitalpublications.com/43_work_at_home_jobs.html
    http://www.capitalpublications.com/44_Free_Government_Grants.html
    http://www.capitalpublications.com/44_Government_Grants.html
    http://www.capitalpublications.com/44_paid_surveys.html
    http://www.capitalpublications.com/44_Work_at_Home_Jobs.html
    http://www.capitalpublications.com/45_Government_Grants.html
    http://www.capitalpublications.com/45_government_jobs.html
    http://www.capitalpublications.com/45_loan_broker.html
    http://www.capitalpublications.com/45_online_survey_jobs.html
    http://www.capitalpublications.com/45_paid_surveys.html
    http://www.capitalpublications.com/111_Work_at_Home_Jobs.html
    http://www.capitalpublications.com/333_government_grants.html
    http://www.capitalpublications.com/333_work_at_Home_Jobs.html
    http://www.capitalpublications.com/222_Work_at_Home_Jobs.html
    http://www.capitalpublications.com/333_Free_Government_Grants.html
    http://www.capitalpublications.com/45_Work_at_Home_Jobs.html
    http://www.capitalpublications.com/47_Free_Government_Grants.html
    http://www.capitalpublications.com/47_government_grants.html
    http://www.capitalpublications.com/47_Loan_Broker.html
    http://www.capitalpublications.com/47_online_survey_jobs.html
    http://www.capitalpublications.com/47_Work_at_Home_Jobs.html
    http://www.capitalpublications.com/47_Work_at_Home_Jobs_Business.html
    http://www.capitalpublications.com/47_Work_at_Home_Jobs_opportunities.html
    http://www.capitalpublications.com/47_Work_at_Home_Jobs_programs.html
    http://www.capitalpublications.com/free-medicine-program.html
    http://www.government-news.org/legitimate-work-at-home-jobs.html
    http://www.capitalpublications.com/free-government-grants.html

    credit repair  http://searchsight.com/65A305P56-Business-To-Business.html http://searchsight.com/24S13P4-District-Of-Columbia.html http://searchsight.com/61T28382P4-Washington.html http://searchsight.com/84A305S13P1-District-Of-Columbia-Business-To-Business.html http://searchsight.com/21A305T28382P1-Washington-Business-To-Business.html http://www.merchantamerica.com/governmentgrants/index.php?ba=view_category&category=5316 http://www.merchantamerica.com/governmentgrants http://www.topix.net/classifieds/city/miami-fl/T5F8PT4BDL3DF5BQ0 http://www.merchantamerica.com/governmentgrants/index.php?ba=view_category&category=5318 http://www.merchantamerica.com/governmentgrants/index.php?ba=view_category&category=7153 http://www.merchantamerica.com/governmentgrants/index.php?ba=view_category&category=5745 http://richmond.indymedia.org/newswire/display/12267/index.php http://newsblaze.com/story/2005070706004500003.mwir/topstory.html http://www.merchantamerica.com/governmentgrants/index.php?ba=product_enlarge&product=44925 http://newjersey.indymedia.org/de/2006/10/11161.shtml http://www.merchantamerica.com/governmentgrants/index.php?ba=product_enlarge&product=59138 http://www.american-classifieds.net/index.php?dat=ucat19 http://kazzoom.com/vol2/college-scholarships/ http://www.kazzoom.com/bad_credit_loans.html http://www.kazzoom.com/search-engines.html http://kazzoom.com/vol2/coaching http://kazzoom.com/vol2/copywriting http://kazzoom.com/vol2/crafts-hobbies http://kazzoom.com/vol2/creativity http://kazzoom.com/vol2/coffee http://kazzoom.com/vol2/credit http://kazzoom.com/vol2/cruising-sailing http://kazzoom.com/vol2/currency-trading http://kazzoom.com/vol2/customer-service http://kazzoom.com/vol2/data-recovery http://kazzoom.com/vol2/debt-consolidation http://kazzoom.com/vol2/debt-relief http://kazzoom.com/vol2/depression http://kazzoom.com/vol2/diabetes http://kazzoom.com/vol2/divorce http://kazzoom.com/vol2/domain-names http://kazzoom.com/vol2/ebooks