Fraud Prevention: Manual Fraud Checks

You may wish to perform manual checks on a transaction to ensure that the customer is the true cardholder. Normally, you would only need to perform manual checks on transactions if you are worried that the transaction may be fraudulent. Some fraud indicators are given below.

Possible Fraud Indicators

• The value of the order is higher than you would normally expect.
• The AVS/CV2 response is not ALL DATA MATCHED.
• The order is from a country which is listed as a high fraud risk, see below:
  • Bosnia
  • Bulgaria
  • Croatia
  • Egypt
  • Indonesia
  • Iran
  • Iraq
  • Israel
  • Malaysia
  • Nigeria
  • Pakistan
  • Romania
  • Russia
  • Serbia
  • Yugoslavia
• The customer has ordered more than once in a day.
• The customer has attempted to make payment several times with the first few transactions failing.
• The country of issue for the card does not match the delivery address.
• The customer refuses to confirm their card details.
• The customer alters the delivery address at short notice.
• The customer demands next day delivery without regard for the extra costs involved.
• The 3rd Man returned a high risk fraud screening result.
• The 3D Secure Authentication result returned a yellow or red flag.

Manual Checks

If your processes have flagged a transaction for further investigation, you may want to perform the following manual checks:

• Send an email to the email address supplied by the customer to confirm that it exists.
• Check the area code of the phone number matches the address.
• Check the customers name with directory enquiries to verify the address against the telephone number.
• Ring the customer on their landline number to confirm the order details and check that the telephone number and customer exist.
• Check the IP Address of the customer to confirm that the IP Country matches the billing address. You will be able to find the customer's IP Address in your VSP Admin screens.