What to do if someone use other people's credit card number to build a purchase on your website? 1. If someone stole other people's credit card and make a

1. If someone stole other people's credit card and make a purchase on a trellis site, and the victim file a dispute with the credit card company, the website merchant will receive a chargeback. What should the merchant do to avoid this type chargeback story, especially the web site offer online services which is not tangible stuff?

2. Even the merchant proved that this is someone else's fraudulent transaction, will the fraudulent transaction amount counted toward the charegeback amount in the merchant's merchant tale? Who will suffer as a victim here - the merchant service guard or the merchant or the credit card issuer? It doesn't make sense to hold the merchant responsible for the fraud since this is an online transaction and here is no way the merchant can prevent this, especially the fraudulent transaction have the correct 3-digit or 4-digit number and correct street address.

3. what should you do? report to the police and get the police to ambush those people?

You don't have to clutch credit cards. Remember credit card companies want their money that comes from their customers and not the merchandisers. They will even charge the merchandiser a 3% processing fee. It use to be that merchandisers wouldn't adopt half the credit cards out in attendance. Your best best is money orders individual. Everyone gets compensated and there is no ID raid or bounced checks. You might loose customers, but you won't have the problem you are going to be facing.

Yes, report it to the Police, and the web, cite bank authority and tell them that you did report a report.

Answer:
1) Avoiding this gentle of chargeback comes down to good fraud screening by the merchant. You obligation to start with AVS and CVV and next move on to better tools. There are tools out near that can reduce your exposure to these character of chargebacks. It is called Verified by Visa and MasterCard Securecode. If you use these tools you can never lose a chargeback because the personality claims they didn't make the purchase. The judgment being they own to use a special PIN number and if they use it that proves they are the cardholder and cannot claim it was stolen or they didn't authorize the purchase. I suggest looking into them. (Keep contained by mind you still can get chargebacks but these tools will dull the kinds you can find which means smaller amount chargebacks overall).

2) When it comes down to online sales the customer ALWAYS win the chargeback dispute. This is because only swiped transactions (i.e. face-to-face transactions) are merchants given the benefit of the doubt. But online the merchant other loses their funds with Visa and MasterCard. (With American Express you may win lower than very infrequent circumstances). Basically the burden of verifying the user falls entirely on the merchant. That's why you obligation to make sure you own the right tools in place when processing online.

3) You can report them to the FBI (since it most credible occurs over state lines) but it is a spend foolishly of time. Unless the total amount is very big they won't even investigate it. They don't consider it worth their resources.
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