Quote:
Originally Posted by wdillsmith
On our website, we have integrated authorize.net into our shopping cart (using their Advanced Integration Method - AIM). When a customer clicks the final submit button, we do a real-time "authorize only" event on their credit card. We also have the address verification system (AVS) turned on. Authorize.net attempts to do the card authorization first, and if that succeeds, then they do the address verification. So what happens is sometimes a legitimate customer will put in the wrong billing address (e.g., moved recently, used work address instead of home address, etc.), which will result in a transaction being declined. However, in reality, the authorization on their card was approved, but since the AVS was declined, the overall status of the transaction from our end results in a decline. If a customer is using a debit card, the bank will withdraw the money immediately upon authorization, even if the AVS fails, because the authorization is done first. What we end up with are customers that never actually completed a sale, but still showing that we charged their card, or completed sales with duplicate transactions. These pseudo-charges can take up to 30 days to be removed from the customers account by the bank, and there is nothing we as a merchant can do to speed up the process.
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1. If the order volume is such that manually running the orders makes sense, do that.
2. If the order volume exceeds this, perhaps the system can do an authorize and capture (instead of simply authorizing)
Personally, I manually do it and frankly its the favorite part of my day.
1. If billing matches shipping, I run the transaction, if AVS is in any way negative, I'm looking at IP Address, if area code for zip code is correct and things of that nature. Even aside from fraud, this also helps to prevent shipping to an incorrect address, you'd think people would type their addresses correctly all the time, but believe it or not they do make errors. I'll even google the phone number/address because sometimes that helps {you'll find addresses linked to freight forwarding companies, and that to me is an automatic kill order}
2. If billing doesn't match shipping, I do all of the above first and make the decision to authorize/capture based on my own 'subjective' feel
AFTER 12 hours has passed. <-this snares most stolen cards because most people DO report their cards stolen.
Last year I got tagged for ONE fraudulent order and frankly I should've known better.