Any Reviews on CCV2, is it REALLY worth it?

[Andy]

Hi, all,

I was talking to a friend of mine who runs IT for a very large infomercial
company (they also sell quite a bit via web) and he disagreed strongly with
me instituing CCV2 on my site.

He claims, when he put that requirement on his site, his declines went up
60%, mostly because of user error, despite having an image showing where the
CCV is located on the consumers credit card. He said in a lot of instances,
since the field on forms had 4 spaces to accommodate AMEX, I guess, if
someones value was 234, they often entered 0234 and got declined, or people
transposing numbers.

When he took off CCV2 the declines reduced, but he insists the fraudulent
use of cards did not go up.

Anyone have opinions or experience they can share? My partners and I are
split on what to do.


Thanks,


Andy

[Beauty Cafe]

I do manual processing, tried the automated processing but it caused me more
grief than it was worth. Call me a control freak but I like to verify things
myself and I've gotten fraud orders using the automated system also. I use
the CCV2 as a backup because my manual system uses AVS (address verification
system). If I get an order that does not match, then I simply phone the
bank, provide them with the numbers, the cardholder information and they can
authorize for me over the phone. I prefer it because so many of my customers
use a different ship to address. I had one man place a huge order last week
but to ship to a woman at a different address with the same last name. He
supplied the incorrect CCV2 number so I phoned him and walked him through
it. He asked why the hassle. I told him that I always like to verify orders
that are being shipped to a different name/address and I explained that I
once I had a woman place a huge order on her husbands credit card and that
when I phoned the husband he told me that he had just filed for divorce that
am and asked that I do not process the order. So of course I didn't. The man
I was giving the CCV2 lesson to was quite grateful that I took the extra
security methods. I'd rather lose the sale upfront than three months down
the road when Card Services is contacting me for a fraud order.

--

Love, laughter and friendship!

Lisa Slavik
www.beautycafe.com


"Andy" <andy@overstocksafari.com> wrote in message
news:akgu71$e8t$1@support.shopsite.com...

Hi, all,

I was talking to a friend of mine who runs IT for a very large infomercial
company (they also sell quite a bit via web) and he disagreed strongly
with
me instituing CCV2 on my site.

He claims, when he put that requirement on his site, his declines went up
60%, mostly because of user error, despite having an image showing where
the
CCV is located on the consumers credit card. He said in a lot of
instances,
since the field on forms had 4 spaces to accommodate AMEX, I guess, if
someones value was 234, they often entered 0234 and got declined, or
people
transposing numbers.

When he took off CCV2 the declines reduced, but he insists the fraudulent
use of cards did not go up.

Anyone have opinions or experience they can share? My partners and I are
split on what to do.


Thanks,


Andy

[Brandon Eley]

Well, our sales have been growing steadily since we opened (thankfully) and
when we recently implimented CCV we saw nothing but acceptance. Of course,
we have a toll-free line that people can reach us at.

We've had some people who have had a hard time with placing an order before,
but not simply because of the CCV. Some people call because they don't trust
the Internet, some because they just like talking to a real human being.

Overall I'm glad we're using AVS and CCV. One thing I HAVE seen is a drop in
our fraud. We haven't had one fraudulent order come in since we implimented
CCV.

Brandon
2BigFeet.com

"Andy" <andy@overstocksafari.com> wrote in message
news:akgu71$e8t$1@support.shopsite.com...

Hi, all,

I was talking to a friend of mine who runs IT for a very large infomercial
company (they also sell quite a bit via web) and he disagreed strongly
with
me instituing CCV2 on my site.

He claims, when he put that requirement on his site, his declines went up
60%, mostly because of user error, despite having an image showing where
the
CCV is located on the consumers credit card. He said in a lot of
instances,
since the field on forms had 4 spaces to accommodate AMEX, I guess, if
someones value was 234, they often entered 0234 and got declined, or
people
transposing numbers.

When he took off CCV2 the declines reduced, but he insists the fraudulent
use of cards did not go up.

Anyone have opinions or experience they can share? My partners and I are
split on what to do.


Thanks,


Andy

[Switch Hits]

The CCV2 was causing me (and my customers) lots of problems so I
don't use it...not a fraudulent order ever since I've been on the
net. I did take previous advice on this forum where a person
from Montreal placing a huge order shipping to China did not get
his order processed nor did he respond to my emails.

Jimmy Hilburger
www.switchhits.com


"Andy" <andy@overstocksafari.com> wrote in message
news:akgu71$e8t$1@support.shopsite.com...

Hi, all,

I was talking to a friend of mine who runs IT for a very large
infomercial
company (they also sell quite a bit via web) and he disagreed
strongly with
me instituing CCV2 on my site.

He claims, when he put that requirement on his site, his
declines went up
60%, mostly because of user error, despite having an image
showing where the
CCV is located on the consumers credit card. He said in a lot
of instances,
since the field on forms had 4 spaces to accommodate AMEX, I
guess, if
someones value was 234, they often entered 0234 and got
declined, or people
transposing numbers.

When he took off CCV2 the declines reduced, but he insists the
fraudulent
use of cards did not go up.

Anyone have opinions or experience they can share? My partners
and I are
split on what to do.


Thanks,


Andy

[Keith]

Hi,

Besides my own site, I also handle a site for a jeweler.
On my own site I have had very few attempts of fraud.

On the jewelers site that has been another matter.
35 to 40% of all orders have been "attempts" of fraud.
Many of these attempts have had the correct CCV # because whoever acquired the
card information illegally was also able to obtain the CCV #.
Some of the cards had just been stolen and not been reported yet.
Our call to the card issuing bank was what tipped the card holder that the card
was missing.
Many times it was a son or daughter in collage who had gotten the card on a
visit home during break.
A total of zero of these attempts ( 0 ) have been successful at slipping through
the cracks.

From day one it was decided to avoid this type of problem by doing these things.

1. We process all orders manually off line.
2. We do a reverse phone # lookup for the # provided.
3. We do a search on the internet for a "white pages" listing of the customers
name.
4. We call and get an AV (address verification) on the card before we even
attempt running the card.
5. We will only ship to the credit card holders billing address and NO ORDERS
ARE DROP SHIPPED ANYWHERE!
6. All information provided must be verifiable before the order is processed.

I had a customer contact me by email and explained that he had moved over the
weekend and that billing address would be change to his new address as soon as
possible but that right now it did not match where he lived.
I called him and explained that for the protection of our customers and for the
trust and reputation of the business I could not ship it to any address other
than the billing address. I suggested that he call the issuing bank and inform
them of his address change which he did.
He called me back and informed me that the bank had made the changes.
I contacted the bank and was able to confirm the change so the $800.00 sale went
through and I shipped.

As a thank you to the customer for his understanding I enclosed a nice letter
and a cleaning kit ( $50.00 value retail ).
He must have been impressed because he has ordered something from us every other
month since.

To summarize, I have had little trouble with getting the correct CVV # and no
complaints about having to provide it.
It is also very reassuring to see both of these statements on the credit card
print out for the sale.
"AVS EXACT MATCH"
"CCV EXACT MATCH"


Good Luck and happy hunting.
Keith
http://specialmart.com
Helping Non-Profit Organizations with Fund Raising through On-Line Shopping!

Andy wrote:

Hi, all,

I was talking to a friend of mine who runs IT for a very large infomercial
company (they also sell quite a bit via web) and he disagreed strongly with
me instituing CCV2 on my site.

He claims, when he put that requirement on his site, his declines went up
60%, mostly because of user error, despite having an image showing where the
CCV is located on the consumers credit card. He said in a lot of instances,
since the field on forms had 4 spaces to accommodate AMEX, I guess, if
someones value was 234, they often entered 0234 and got declined, or people
transposing numbers.

When he took off CCV2 the declines reduced, but he insists the fraudulent
use of cards did not go up.

Anyone have opinions or experience they can share? My partners and I are
split on what to do.

Thanks,

Andy

[Larry Bohen]

How do you verify foreign (non-USA) orders? I.E. addresses, phone numbers,
CVV2s

"Keith" <support@specialmart.com> wrote in message
news:3D6D677E.2F0DB291@specialmart.com...

Hi,

Besides my own site, I also handle a site for a jeweler.
On my own site I have had very few attempts of fraud.

On the jewelers site that has been another matter.
35 to 40% of all orders have been "attempts" of fraud.
Many of these attempts have had the correct CCV # because whoever acquired
the
card information illegally was also able to obtain the CCV #.
Some of the cards had just been stolen and not been reported yet.
Our call to the card issuing bank was what tipped the card holder that the
card
was missing.
Many times it was a son or daughter in collage who had gotten the card on
a
visit home during break.
A total of zero of these attempts ( 0 ) have been successful at slipping
through
the cracks.

From day one it was decided to avoid this type of problem by doing these
things.

1. We process all orders manually off line.
2. We do a reverse phone # lookup for the # provided.
3. We do a search on the internet for a "white pages" listing of the
customers
name.
4. We call and get an AV (address verification) on the card before we
even
attempt running the card.
5. We will only ship to the credit card holders billing address and NO
ORDERS
ARE DROP SHIPPED ANYWHERE!
6. All information provided must be verifiable before the order is
processed.

I had a customer contact me by email and explained that he had moved over
the
weekend and that billing address would be change to his new address as
soon as
possible but that right now it did not match where he lived.
I called him and explained that for the protection of our customers and
for the
trust and reputation of the business I could not ship it to any address
other
than the billing address. I suggested that he call the issuing bank and
inform
them of his address change which he did.
He called me back and informed me that the bank had made the changes.
I contacted the bank and was able to confirm the change so the $800.00
sale went
through and I shipped.

As a thank you to the customer for his understanding I enclosed a nice
letter
and a cleaning kit ( $50.00 value retail ).
He must have been impressed because he has ordered something from us every
other
month since.

To summarize, I have had little trouble with getting the correct CVV #
and no
complaints about having to provide it.
It is also very reassuring to see both of these statements on the credit
card
print out for the sale.
"AVS EXACT MATCH"
"CCV EXACT MATCH"


Good Luck and happy hunting.
Keith
http://specialmart.com
Helping Non-Profit Organizations with Fund Raising through On-Line
Shopping!

Andy wrote:

Hi, all,

I was talking to a friend of mine who runs IT for a very large
infomercial
company (they also sell quite a bit via web) and he disagreed strongly
with
me instituing CCV2 on my site.

He claims, when he put that requirement on his site, his declines went
up
60%, mostly because of user error, despite having an image showing where
the
CCV is located on the consumers credit card. He said in a lot of
instances,
since the field on forms had 4 spaces to accommodate AMEX, I guess, if
someones value was 234, they often entered 0234 and got declined, or
people
transposing numbers.

When he took off CCV2 the declines reduced, but he insists the
fraudulent
use of cards did not go up.

Anyone have opinions or experience they can share? My partners and I are
split on what to do.

Thanks,

Andy

[Keith]

Hi Larry,

International fraud is the hardest to protect against and here is how I look at
the problem.

When you figure in the loss of the product, the cost of shipping and handling,
the credit card fees and then the charge back, the hours spent in attempted
resolution ( 99% of the time it ends in the favor of the fraud perpetrator ) the
total loss takes 10 to 12 successful sales just to break even.

With that said... here is how we handle the problem.
We make it very clear in the Policies page and again in the shopping cart &
check out pages with this statement:
"We only ship to addresses within the United States. No international
orders... Sorry."

True, it might be costing us some business but we have never had to write
anything off and we have never had a charge come back to haunt us.
We have never had to worry about any customs office holding an order, placing a
big duty fee on an order or in any way keeping an order from reaching it's
destination.

I have worked in other industries where we did ship out of the U.S. and we were
always running into fraud and customs problems.
I am glad I no longer have to deal with international orders.

Good Luck and happy hunting.
Keith
http://specialmart.com
Helping Non-Profit Organizations with Fund Raising through On-Line Shopping!

[Beauty Cafe]

Keith,

We obviously are using the same methods. Most of which I've implemented
through the years after being burned. Our biggest was to the tune of over
700.00 on an Amex card that a girl had gotten in her name under her fathers
account. AVS matched and we shipped to the delivery address and had
confirmation. But never mind that....

question when you do AVS, have you noticed that Visa and Mastercard will
indicate Exact Match and give you a TID or ACI code or they will either say
Address Match only or Zip Code if one or the other do not completely match
up. Yet, Amex and Discover never issue a TID or ACI code and they only say
Exact Match?

--

Love, laughter and friendship!

Lisa Slavik
www.beautycafe.com


"Keith" <support@specialmart.com> wrote in message
news:3D6D677E.2F0DB291@specialmart.com...

Hi,

Besides my own site, I also handle a site for a jeweler.
On my own site I have had very few attempts of fraud.

On the jewelers site that has been another matter.
35 to 40% of all orders have been "attempts" of fraud.
Many of these attempts have had the correct CCV # because whoever acquired
the
card information illegally was also able to obtain the CCV #.
Some of the cards had just been stolen and not been reported yet.
Our call to the card issuing bank was what tipped the card holder that the
card
was missing.
Many times it was a son or daughter in collage who had gotten the card on
a
visit home during break.
A total of zero of these attempts ( 0 ) have been successful at slipping
through
the cracks.

From day one it was decided to avoid this type of problem by doing these
things.

1. We process all orders manually off line.
2. We do a reverse phone # lookup for the # provided.
3. We do a search on the internet for a "white pages" listing of the
customers
name.
4. We call and get an AV (address verification) on the card before we
even
attempt running the card.
5. We will only ship to the credit card holders billing address and NO
ORDERS
ARE DROP SHIPPED ANYWHERE!
6. All information provided must be verifiable before the order is
processed.

I had a customer contact me by email and explained that he had moved over
the
weekend and that billing address would be change to his new address as
soon as
possible but that right now it did not match where he lived.
I called him and explained that for the protection of our customers and
for the
trust and reputation of the business I could not ship it to any address
other
than the billing address. I suggested that he call the issuing bank and
inform
them of his address change which he did.
He called me back and informed me that the bank had made the changes.
I contacted the bank and was able to confirm the change so the $800.00
sale went
through and I shipped.

As a thank you to the customer for his understanding I enclosed a nice
letter
and a cleaning kit ( $50.00 value retail ).
He must have been impressed because he has ordered something from us every
other
month since.

To summarize, I have had little trouble with getting the correct CVV #
and no
complaints about having to provide it.
It is also very reassuring to see both of these statements on the credit
card
print out for the sale.
"AVS EXACT MATCH"
"CCV EXACT MATCH"


Good Luck and happy hunting.
Keith
http://specialmart.com
Helping Non-Profit Organizations with Fund Raising through On-Line
Shopping!

Andy wrote:

Hi, all,

I was talking to a friend of mine who runs IT for a very large
infomercial
company (they also sell quite a bit via web) and he disagreed strongly
with
me instituing CCV2 on my site.

He claims, when he put that requirement on his site, his declines went
up
60%, mostly because of user error, despite having an image showing where
the
CCV is located on the consumers credit card. He said in a lot of
instances,
since the field on forms had 4 spaces to accommodate AMEX, I guess, if
someones value was 234, they often entered 0234 and got declined, or
people
transposing numbers.

When he took off CCV2 the declines reduced, but he insists the
fraudulent
use of cards did not go up.

Anyone have opinions or experience they can share? My partners and I are
split on what to do.

Thanks,

Andy

[Beauty Cafe]

Larry,

We do international business, however we limit our business to Canada,
Western Europe and sometimes Japan and Australia (we have had customers
relocate there). We never ship to Indonesia, India, Yugoslavia, or Asia
(with the exception of Japan). We post our requirements on the website under
our order information. We require a faxed copy of the credit card prior to
processing the order. This tells us if they are in actual possession of the
card. We then contact Card Services International for the bank phone number
and verify with the bank the information that we have been given by the
customer. It can take a day or so to retrieve it and verify, but well worth
it when the order is good.

This is the copy we have on our site:
On all gift purchases, we require that a faxed copy (front and back) of the
credit card, as well as a copy of the drivers license, be faxed to
1-972-390-1277. We will not be able to process gift orders until we receive
your fax. A reminder will be emailed upon receipt of your order.

On all international credit card purchases, we require that a faxed copy
(front and back) of the credit card, as well as a copy of the drivers
license, be faxed to 1-972-390-1277. We will not be able to process
international credit card orders until we receive your fax. A reminder will
be emailed upon receipt of your order.

Here is a link to a pretty informative website: http://www.antifraud.com/
I've not joined them yet, but have considered. But since implementing all my
security measures I have not had any fraud cases in the past year and a
half! We did have an attempted usage a couple of weeks ago, but I called the
credit card company and reported the incident. Thanks to Shop Site, I
provided Security with the IP address, the email address and all their
shipping information. I also notified Yahoo of the incident and they emailed
back informing me that while they could not go into details of what occured,
the person has basically been reprimanded. Probably had their account taken
away for all I know.

--

Love, laughter and friendship!

Lisa Slavik
www.beautycafe.com


"Larry Bohen" <lbohen@audiobooksonline.com> wrote in message
news:akl4d6$npe$1@support.shopsite.com...

How do you verify foreign (non-USA) orders? I.E. addresses, phone numbers,
CVV2s

"Keith" <support@specialmart.com> wrote in message
news:3D6D677E.2F0DB291@specialmart.com...
Hi,

Besides my own site, I also handle a site for a jeweler.
On my own site I have had very few attempts of fraud.

On the jewelers site that has been another matter.
35 to 40% of all orders have been "attempts" of fraud.
Many of these attempts have had the correct CCV # because whoever
acquired
the
card information illegally was also able to obtain the CCV #.
Some of the cards had just been stolen and not been reported yet.
Our call to the card issuing bank was what tipped the card holder that
the
card
was missing.
Many times it was a son or daughter in collage who had gotten the card
on
a
visit home during break.
A total of zero of these attempts ( 0 ) have been successful at slipping
through
the cracks.

From day one it was decided to avoid this type of problem by doing these
things.

1. We process all orders manually off line.
2. We do a reverse phone # lookup for the # provided.
3. We do a search on the internet for a "white pages" listing of the
customers
name.
4. We call and get an AV (address verification) on the card before we
even
attempt running the card.
5. We will only ship to the credit card holders billing address and NO
ORDERS
ARE DROP SHIPPED ANYWHERE!
6. All information provided must be verifiable before the order is
processed.

I had a customer contact me by email and explained that he had moved
over
the
weekend and that billing address would be change to his new address as
soon as
possible but that right now it did not match where he lived.
I called him and explained that for the protection of our customers and
for the
trust and reputation of the business I could not ship it to any address
other
than the billing address. I suggested that he call the issuing bank and
inform
them of his address change which he did.
He called me back and informed me that the bank had made the changes.
I contacted the bank and was able to confirm the change so the $800.00
sale went
through and I shipped.

As a thank you to the customer for his understanding I enclosed a nice
letter
and a cleaning kit ( $50.00 value retail ).
He must have been impressed because he has ordered something from us
every
other
month since.

To summarize, I have had little trouble with getting the correct CVV #
and no
complaints about having to provide it.
It is also very reassuring to see both of these statements on the credit
card
print out for the sale.
"AVS EXACT MATCH"
"CCV EXACT MATCH"


Good Luck and happy hunting.
Keith
http://specialmart.com
Helping Non-Profit Organizations with Fund Raising through On-Line
Shopping!

Andy wrote:

Hi, all,

I was talking to a friend of mine who runs IT for a very large
infomercial
company (they also sell quite a bit via web) and he disagreed strongly
with
me instituing CCV2 on my site.

He claims, when he put that requirement on his site, his declines went
up
60%, mostly because of user error, despite having an image showing
where
the
CCV is located on the consumers credit card. He said in a lot of
instances,
since the field on forms had 4 spaces to accommodate AMEX, I guess, if
someones value was 234, they often entered 0234 and got declined, or
people
transposing numbers.

When he took off CCV2 the declines reduced, but he insists the
fraudulent
use of cards did not go up.

Anyone have opinions or experience they can share? My partners and I
are
split on what to do.

Thanks,

Andy

[Ron Rizzi]

Andy:

Implement CVV2 and control internet fraud.

It is the only way that you will know that your client has a real bona fide
customer ordering on their site using their credit card and that they have in
their hand.

The credit card processing companies such as Card Svc and others have required
it for terminal entry use outside of on line transactions as in a mail order
transaction.

After you lose a few charge backs from customers who say it was not they who
place the order and shipped it to grandma and after a few thousand dollars lost
you will charge your mind.

Ron



Andy wrote:

Hi, all,

I was talking to a friend of mine who runs IT for a very large infomercial
company (they also sell quite a bit via web) and he disagreed strongly with
me instituing CCV2 on my site.

He claims, when he put that requirement on his site, his declines went up
60%, mostly because of user error, despite having an image showing where the
CCV is located on the consumers credit card. He said in a lot of instances,
since the field on forms had 4 spaces to accommodate AMEX, I guess, if
someones value was 234, they often entered 0234 and got declined, or people
transposing numbers.

When he took off CCV2 the declines reduced, but he insists the fraudulent
use of cards did not go up.

Anyone have opinions or experience they can share? My partners and I are
split on what to do.

Thanks,

Andy

[Keith]

Lisa,

I do not take American Expensive ( oops... I mean Express ) so I am not sure
about them.
I had not noticed the Discover one you are talking about.
As for Visa/Mastercard if I do not get both... well then I email the customer
and get them to come up with accurate info or cancel the order.

Keith


Beauty Cafe wrote:

Keith,

We obviously are using the same methods. Most of which I've implemented
through the years after being burned. Our biggest was to the tune of over
700.00 on an Amex card that a girl had gotten in her name under her fathers
account. AVS matched and we shipped to the delivery address and had
confirmation. But never mind that....

question when you do AVS, have you noticed that Visa and Mastercard will
indicate Exact Match and give you a TID or ACI code or they will either say
Address Match only or Zip Code if one or the other do not completely match
up. Yet, Amex and Discover never issue a TID or ACI code and they only say
Exact Match?

--

Love, laughter and friendship!

Lisa Slavik
www.beautycafe.com

"Keith" <support@specialmart.com> wrote in message
news:3D6D677E.2F0DB291@specialmart.com...
Hi,

Besides my own site, I also handle a site for a jeweler.
On my own site I have had very few attempts of fraud.

On the jewelers site that has been another matter.
35 to 40% of all orders have been "attempts" of fraud.
Many of these attempts have had the correct CCV # because whoever acquired
the
card information illegally was also able to obtain the CCV #.
Some of the cards had just been stolen and not been reported yet.
Our call to the card issuing bank was what tipped the card holder that the
card
was missing.
Many times it was a son or daughter in collage who had gotten the card on
a
visit home during break.
A total of zero of these attempts ( 0 ) have been successful at slipping
through
the cracks.

From day one it was decided to avoid this type of problem by doing these
things.

1. We process all orders manually off line.
2. We do a reverse phone # lookup for the # provided.
3. We do a search on the internet for a "white pages" listing of the
customers
name.
4. We call and get an AV (address verification) on the card before we
even
attempt running the card.
5. We will only ship to the credit card holders billing address and NO
ORDERS
ARE DROP SHIPPED ANYWHERE!
6. All information provided must be verifiable before the order is
processed.

I had a customer contact me by email and explained that he had moved over
the
weekend and that billing address would be change to his new address as
soon as
possible but that right now it did not match where he lived.
I called him and explained that for the protection of our customers and
for the
trust and reputation of the business I could not ship it to any address
other
than the billing address. I suggested that he call the issuing bank and
inform
them of his address change which he did.
He called me back and informed me that the bank had made the changes.
I contacted the bank and was able to confirm the change so the $800.00
sale went
through and I shipped.

As a thank you to the customer for his understanding I enclosed a nice
letter
and a cleaning kit ( $50.00 value retail ).
He must have been impressed because he has ordered something from us every
other
month since.

To summarize, I have had little trouble with getting the correct CVV #
and no
complaints about having to provide it.
It is also very reassuring to see both of these statements on the credit
card
print out for the sale.
"AVS EXACT MATCH"
"CCV EXACT MATCH"


Good Luck and happy hunting.
Keith
http://specialmart.com
Helping Non-Profit Organizations with Fund Raising through On-Line
Shopping!

Andy wrote:

Hi, all,

I was talking to a friend of mine who runs IT for a very large
infomercial
company (they also sell quite a bit via web) and he disagreed strongly
with
me instituing CCV2 on my site.

He claims, when he put that requirement on his site, his declines went
up
60%, mostly because of user error, despite having an image showing where
the
CCV is located on the consumers credit card. He said in a lot of
instances,
since the field on forms had 4 spaces to accommodate AMEX, I guess, if
someones value was 234, they often entered 0234 and got declined, or
people
transposing numbers.

When he took off CCV2 the declines reduced, but he insists the
fraudulent
use of cards did not go up.

Anyone have opinions or experience they can share? My partners and I are
split on what to do.

Thanks,

Andy

[Phil Spinelli]

Hi,

Just found this.
http://www.groundbreak.com/cgi-bin/demo ... access.cgi

This might be useful to block orders from counties you don't deal with.




Andy wrote:

Hi, all,

I was talking to a friend of mine who runs IT for a very large infomercial
company (they also sell quite a bit via web) and he disagreed strongly with
me instituing CCV2 on my site.

He claims, when he put that requirement on his site, his declines went up
60%, mostly because of user error, despite having an image showing where the
CCV is located on the consumers credit card. He said in a lot of instances,
since the field on forms had 4 spaces to accommodate AMEX, I guess, if
someones value was 234, they often entered 0234 and got declined, or people
transposing numbers.

When he took off CCV2 the declines reduced, but he insists the fraudulent
use of cards did not go up.

Anyone have opinions or experience they can share? My partners and I are
split on what to do.

Thanks,

Andy

[loren_d_c]

Another way to discourage orders from countries you don't want to accept
them from is to use the Country pull-down in the shopping cart. This is
setup (v6.1) in Commerce Setup -> States and Countries. Taking the
countries off the pull-down that you don't want to ship to will help
discourage orders from those countries.

-Loren


Phil Spinelli wrote:

Hi,

Just found this.
http://www.groundbreak.com/cgi-bin/demo ... access.cgi

This might be useful to block orders from counties you don't deal with.

Andy wrote:

Hi, all,

I was talking to a friend of mine who runs IT for a very large infomercial
company (they also sell quite a bit via web) and he disagreed strongly with
me instituing CCV2 on my site.

He claims, when he put that requirement on his site, his declines went up
60%, mostly because of user error, despite having an image showing where the
CCV is located on the consumers credit card. He said in a lot of instances,
since the field on forms had 4 spaces to accommodate AMEX, I guess, if
someones value was 234, they often entered 0234 and got declined, or people
transposing numbers.

When he took off CCV2 the declines reduced, but he insists the fraudulent
use of cards did not go up.

Anyone have opinions or experience they can share? My partners and I are
split on what to do.

Thanks,

Andy

[Keith]

Thank you... Thank you... Thank you...

Had set up some countries in an .htaccess file but this gives me more and I Thank
you!

Keith

Phil Spinelli wrote:

Hi,

Just found this.
http://www.groundbreak.com/cgi-bin/demo ... access.cgi

This might be useful to block orders from counties you don't deal with.

Andy wrote:

Hi, all,

I was talking to a friend of mine who runs IT for a very large infomercial
company (they also sell quite a bit via web) and he disagreed strongly with
me instituing CCV2 on my site.

He claims, when he put that requirement on his site, his declines went up
60%, mostly because of user error, despite having an image showing where the
CCV is located on the consumers credit card. He said in a lot of instances,
since the field on forms had 4 spaces to accommodate AMEX, I guess, if
someones value was 234, they often entered 0234 and got declined, or people
transposing numbers.

When he took off CCV2 the declines reduced, but he insists the fraudulent
use of cards did not go up.

Anyone have opinions or experience they can share? My partners and I are
split on what to do.

Thanks,

Andy