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The e-commerce.

Credit card authorization issues / questions (fraud)


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Currently, I'm using the standard credit card processing provided by the stock OSC install. We accept credit cards. When someone orders, we call the credit card into our merchant account.


Recently we were supspicious of a couple larger orders on our site. We called our merchant account and they said they don't verify the cards, they just put the charges through. They suggested we call the issuing bank to verify the name and address with the card. They identify the bank based on the first 6 digits on the card. We did this and learned that the addresses and names on the card did not match the order, so we declined the order.


We asked what would happen if we put the charge thru and then shipped the item. We were told that up to six months later we would get an invoice from the credit card company for the amount of the fraudulent charge.


This extra manual verication is a lot of work to do for each order that comes in. Is there a way to get better verification of cards online?


What is everyone else doing to avoid being subject to this kind of credit card fraud? Are there contribs or modules to install? Does OSC link with an online service that offers better protection for this?



Just learning OSC, but loving it so far.

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