FRAUD Screening Advice
Monitor all transactions and take the view that all transactions are genuine, accept orders, then use the 3rd Man to screen all transactional data to determine where any risk exists. This means considering many factors:
- General behaviour
- Purchase patterns
- Basket profiles
- Customer history
- Fraud history
- Address profiles
If risk exists then you will be alerted directly. You can then review each order before you commit to shipping the goods - this way you treat all your customers as customers.
AVOID CNP FRAUD - Know who you are dealing with!
Take time and effort to validate each order. Don't accept orders unless complete information is provided, including full address and phone number.
Be wary of orders that come from free email services, as there is a higher incidence of fraud from them.
Take extra interest in orders that are larger than your typical order amount. Does it fit your typical customer?
Take extra care with international orders and do everything you can to validate the order before shipping. Especially be wary of orders from Eastern Europe, Nigeria, Israel, Saudi, UAE and Iraq, as there has been a particularly high incidence of fraud relating to on-line purchases from these areas.
Do not allow a consumer to make an alteration of the delivery address at short notice. Avoid sending goods to guesthouses or hotels unless you are confident that the customer is genuine.
Be wary of a consumer who demands next day delivery and/or phones on the day of delivery asking what time the goods will be delivered.
Do not accept orders from a consumer quoting someone else's card details e.g. wife using her husband card.
Be wary of a consumer who offers several card numbers to cover an order as they may be attempting to avoid authorisation detection, or working through a list of cards.
If you have any suspicions, consider contacting the customer. It might cost money and take time, but if they are genuine, then you have a new customer and if they are trying to defraud you then you have prevented them.either way you win!
If an order seems too good to be true.it probably is!
