Credit and Debit Card Processing For
Retail, Mail Order, eCommerce and Call Centres

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Fraud Screening

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With the introduction of chip and pin technology for cardholder present transactions it is expected that fraud will migrate further to cardholder not present (CNP) transactions in mail order and ecommerce environments. There is little protection offered from the card acquirers to merchants who are the victims of CNP fraudulent transactions whcih can potentially cost the merchant thousands of pounds in one transaction. Therefore, merchants need to be taking as many steps as possible to confirm that a transaction is not being carried out fraudulently and to avoid chargebacks from their card acquirer.


Fraud screening can take into account many factors ( up to approximately 150 at present ) concerning the card sales transaction and together with a weighted system tailored to your individual requirements and retail sector will score the transaction between 0 and 100 indicating the likelihood of the card transaction being fraudulent. The nearer the transaction score is to zero the lower the risk that the transaction is fraudulent. The nearer the score is to 100 the higher the risk that the transaction is fraudulent. Your system can then decide whether to accept the transaction, reject the transaction or pass the card transaction for manual review.


  • Excessive address change. The customer had two or more billing address changes in the last six months.
  • Bin number mismatch. The customer’s Visa or MasterCard credit card was issued in a different country than the country specified in the billing address.
  • High count of unique credit cards. The customer used more than six unique credit cards in the last six months.
  • Domain (host) impact. The customer had a risky IP or email address.
  • Fraud list flag. The credit card number, street address, email address, or IP address for this order appears on the negative list for your merchant ID.
  • Geolocation inconsistencies. The customer’s email domain, phone number, billing address, shipping address, or IP address is suspicious.
  • Name change. The customer had two or more name changes in the last six months.
  • Internet inconsistencies. The IP address and email domain are inconsistent with the billing address.
  • Nonsensical input. The customer name and address fields contain words or language having no meaning.
  • Obscenities. The customer input contains obscene words.
  • Phone inconsistencies. The customer phone number is suspicious.
  • Risky transaction. Characteristics in this order display multiple high-risk correlations between the transaction, consumer, and merchant information.
  • Time hedge. The customer is attempting a purchase outside of the expected hours for an item.


Card Fraud - Facing Facts and the Future 2004 ( PDF file - 718K )

Fraud Prevention CNP - July 2005 Beta Document ( PDF file - 425K )




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