FAQ's  

PLEASE NOTE

SECPay provides encryption for card details being transmitted over the web, this security has nothing to do with fraud prevention.
The following information is a compilation of information based on our experience with Internet transactions and is only a guide, not a guarantee.

AVS/CV2

SECPay provides transmission for AVS (address and post code verification) and CVV2 (last 3 digit's on the reverse of the card) for ALL acquiring banks. This service is FREE OF CHARGE. Please ensure your template is customised if you require the capture and verification of this information.
As this is an additional service from the acquiring banks, please contact them direct for up to date information.

High Risk Countries

Be aware of the delivery address - countries like Africa, Romania, Nigeria, Indonesia, Malaysia and Slovenia are notorious for fraud. If in doubt do not ship!

Multiple/Failed Transactions

Check for multiple and failed transactions from the same customer in the transaction viewer - if you receive multiple transactions with frequent failures then this could signal a fraudulent attempt. (SECPay provide a "blocking" system to prevent fraudsters using a merchants site to test card numbers from number generators which helps considerably but is not perfect and never can be).

Anonymous Email Accounts

Be suspicious of customers using free email accounts - traceability is more difficult.

Know Your Transaction Patterns

Know your normal transaction patterns - be suspicious of large transactions from an unusual source or that do not make sense, ie goods that do not go together.

Credit Card Origin

Check the origin of the credit card is sensible for country - for example, if a customer based in Thailand uses a USA credit card ( SECPay provide card issuing bank information as part of the service ).

IP Address

We supply you with the IP address of the customer (where available). If you are suspicious then use http://www.samspade.org to check the IP address and the consistency with other transaction details.

Deferred Payments

If you sell high risk products such as mobiles and computers, then always use deferred payments to check out new customers before taking money and accepting an order.

"Code 10" Address Check

Make a "code 10" call into your acquiring bank to verify the card holders address
http://www.192.com and http://www.qas.com give access to UK/International databases where the cardholder address can be verified.

Useful Websites

http://www.equifax.co.uk provide credit ratings for merchants selling very high value goods.
http://www.technosure.com can provide insurance for Merchants against fraud.
Use a reputable carrier who will obtain a signature or require ID on delivery as well as using facilities such as like http://www.collectpoint.co.uk.