Card Not Present Fraud Indicators

Identify Fraud in Card Not Present Processing

The Card and the CardHolder

  • New Customers. With a new customer there is always more potential for fraudulent activity using a stolen card, stolen card number, or a stolen identity.

  • Returning Customers with New Buying Patterns. Returning customers altering their buying habits, billing address, shipping address, or account number could indicate a stolen identity.

  • Transactions with Similar Account Numbers. Account numbers in series or following a geographic set indicate that they may have been generated fraudulently using software available on the internet.

  • Transactions from Multiple Cards Shipped to a Single Address. Multiple account numbers shipping to the same address could indicate account numbers fraudulently generated using software or a batch of stolen cards or stolen card numbers.

  • Multiple Transactions on One Card in a Short Period. Many quick charges on a single account number could indicate an attempt to run a card to its limit as quickly as possible.

  • Multiple Account Numbers from the Same IP Address. More than one or two cards or account numbers from the same Internet Protocol Address could indicate fraud.

The Order

  • Large Orders. Stolen cards and card numbers are only viable for a limited amount of time. Criminals try to make as many purchases as possible before the fraud is detected.

  • Multiple Orders. Multiple orders of the same item or type of item indicate that the order could be a fraudulent order intended for resale.

  • Big-Ticket Orders. Multiple big-ticket orders or orders made up of big ticket items have a high resale value and could be fraudulent orders intended for resale.

  • Rush Orders. Criminals want to speed the resale of stolen items. Orders that ignore extra delivery charges or need over night delivery may indicate a fraudulent order intended for resale.

The Shipping Address

  • International Shipping Address. Many fraudulent orders are shipped outside of the United States. Address Verification Systems are not as effective outside North America. 

  • Multiple Shipping Addresses. One account number or similar account numbers with a single billing address a different or multiple shipping addresses could indicate organized criminal activity or a fraudulent order.

  • Free Email Addresses. Account numbers using free email addresses have no audit trail and could indicate the use of a stolen card or account number or a stolen identity.

Apply Now to Process Credit Cards

Real-Time Anti Fraud and Chargeback Reduction

High Risk Experts provides Real-Time Anti Fraud Managment that works with your existing payment gateway and merchant account.

Benefits and Features Include:

Enhanced BIN analysis, Geo/IP address analysis, NameAddressCheck, ZipInfoCheck, PhoneInfoCheck, EmailCheck, Aba Bank Routing Numbers (ACH) and dozens of other fields that can be used to gauge the likelihood that a particular transaction is fraudulent or valid.

Numerous dynamically updated, independent databases are cross-checked instantaneously with transaction data.

Our statistical modeling is continuously optimized for individual merchant ROI. Each merchant’s unique historic and dynamic transaction data is used to build a custom model for predicting and preventing bad transactions, while also maximizing sales revenues.

Sub-second response times, competing systems can take 3 seconds or more.

We handle all kinds of transactions, including credit card, ACH, PayPal and alternative payment methods.

With our substantial experience and knowledge in fraud prevention, we interpret the data we have for each merchant and make recommendations to guide the merchant in the approve/deny process for each transaction. But in the end, the control over the final decision to accept or deny each transaction belongs to you, not to us.

Easy Implementation, Simple Integration.

No Set-Up Fees. No risk to try.

To learn more or get a quote, please apply online or call .