Tips om fraude te voorkomen

MultiCards kan niet controleren of de persoon die bij u bestelt, de rechtmatige  eigenaar is van de gebruikte creditcard. Daarom volgen hier enkele belangrijke controles die u moet doen nadat u een bevestigingsemail van een nieuwe order via MultiCards hebt ontvangen. Als u een order moet annuleren en terugstorten, die al geaccepteerd is, kunt u dit doen in het Merchant Menu

U kunt altijd contact met MultiCards opnemen als u vragen heeft over een specifieke order via de support knop achter elke order in het Merchant Menu. De knop zit achter de order, zodat wij precies weten om welke order het gaat.

Als u een vermoeden heeft van fraude, probeer dan persoonlijk contact te krijgen met de klant en let op de reacties. Als u geen contact kunt krijgen met de klant, is er mogelijk met opzet verkeerde contactinformatie opgegeven. Als u geen contact kunt krijgen of de reactie niet vertrouwd, stuur het product dan niet op, annuleer de order en voer een terugbetaling door om een Chargeback te voorkomen..

Graag verwijzen we in dit verband naar een prima artikel van het vaktijdschrift  Emerce http://www.emerce.nl/nieuws/creditcards

Tips for Fraud Screening:

  1. Fraud Scores
    For each new order please view the Fraud Score. You can click on the score next to the transaction for more information. (For example: When the card holder lives in the USA but the used ip address is coming from Australia, the fraud score will be high as these details do not match.) When there is a high Fraud Score and the transaction information looks suspicious: contact the customer to verify the order or cancel and refund the order to avoid a Chargeback by the real credit card holder.
  2. IP address
    If an order has a high Fraud Score or looks suspicious to you, you can check where the order is really coming from by looking up the IP address.You can click on the score next to the transaction for this information. 
  3. High-ticket sales/Fast delivery
    Be suspicious of high-ticket sales requested to be sent next-day air or if a runner will be in to pick up the purchase at a later time. Be wary of orders for which the customer is willing to pay more for faster delivery. Fraudsters are greedy so look out for unusual big amount orders. Always verify these orders before sending them out.
  4. Customer Email Address
    Usually the customer's email address matches the Card Holder's name in some sort of way. (For example: When the Card Holder's name is Patrick Jones and the email address is Linda1234 @ free email addresss .com you might want to look at the order details and verify the order.) Email addresses that have a lot of numbers or caracters (abcdef2000 @ free email address .com) are suspicious too.
  5. Customer FREE Email Address
    Be especially careful with orders from free email services, there is a much higher incidence of fraud from these services (hotmail.com, aol.com, yahoo.com, etc.) as it's easy for a scamster to open a free, anonymous email account in another person's name and then send you, the merchant, an order using the fake email account and a fraudulent credit card number. The Fraud Score will also be higher with orders from free email addresses. Verify the order by contacting the customer or ask for a non-free mail address during the order process. You can block for example all @hotmail.com addresses by visiting Blocking in the Merchant Menu.
  6. Card Holder Address - Delivery Address
    Please check if the Card Holder Address matches the given Delivery Address. If the address or country does not match please always verify the order with the customer. The order could be a gift for someone, the card holder might be on a vacation but it could also be a fraudulent order.
  7. Delivery Address
    Please be careful to send out products to a PO Box, especially when the city or country does not match the card holder details.
  8. Foreign orders
    Be very cautious of any foreign / international orders. Generally, orders from Asia, the Middle East, and most parts of Africa are considered high-risk.
  9. Duplicate Orders
    When you see 2 or more orders (rebillings excluded) from the same card holder, credit card number or email addres, please verify the orders.