maxatt

Its the time to implement BIN match feature to the Maxmind fraud screening. Because thieves are everywhere and they dont hesitate to give their own phone numbers to signup for services such as web hosting dedicated servers etc.. This happened to us several times now. Foreign orders everything looks legit, phone can be verified. After hitting so many CBs. We have investigated this; all these people using stolen cards. BIN issued country doesn't match with order country. YET we have no way to check this WHMCS Fraud system can be easily tricked because WHMCS system checks IP against the user Address. So they use address that matching with their IP. volla!! order is approved. we are loosing thousand of dollars. We could have avoided 85% of CB's if WHMCS implemented BIN check.

yes this is a must. pls add this as soon as posible

The ONLY way to remove the chance of a chargeback is to not accecpt credit/debit cards. Sorry I don't want to be rude , but I think you have to think twice , There are so many methods that you can do to avoid Unnecessary chargebacks , here I am talking about one point of that kind.

Hi Paul , thank you , but from my experience I know people can file chargeback for a transaction that we refunded as soon as we received it. For a example lets says we have a fraud order that is came through Maxmind ( Some times this is happening risk is grater with your system since you don't compare it with the bank bin too) so we have refunded it on the same day. but the actual card holder don't know that and he is filling the dispute. and we get the chargeback although we have refunded it on the same day ( as you know banks take about 7-14 days to post a refund to his account) so we will end up paying two times including chargeback fees and all the other charges also it will count as a charge back and we get a flag too .... So my Friend think why not do a Pre Auth and not to capture suspicious transaction? You don't get chargeback no flags , no money going to be loose, no time loose. Think about it

yeah it will be great pls check my pm there is just a simple line you have to add to make it pre-auth.

yeah but this is an important feature that you should have with WHMCS.

CSI is the company that canceled our account few years ago , yes I know two refunds for a week is might be ok but if you have few chargeback's and two refunds for a week then its not going to be ok . its good to have Pre Auth than refunding a transaction. its a good idea of not to do any sales transaction ( It will minimize your chargebacks, minimize the problems with the processor) and you can delay capturing the transaction for a about week , we do capture transactions once a week. and we have no problems. But I don't know your case, it might be different, we do process about 70 transactions for a week , and 25% of those are fraud orders, We do process high volume of tickets that because we are selling dedicated servers and refunding of two or three high volume ticket is just another problem because your processor not going to be happy with it.

oh this is not good - I have to double think about buying the software, You need pre Auth for various reasons main reason is due to fraud risks because when you refund a transaction then it will put flag on with the processor too many refunds will end up loosing our merchant account too ( This happened to me once ) , so best method is to do a per authorization first and later screening everything including fraud score etc and later capture the transaction.. Tip: pre Auth is not something that you can do by talking with the processor its should initialize from the place where we sending the payment ( You simply can define this in your Gateway page just put a check box to enable Pre Auth or Sale transaction) Almost all the processors support pre authorization except some 3rd party payment companies such as 2checkout

true but you can implement it some how , I am pretty sure about it, and I am sure it will be another + point for a customer to buy your product.

oh ok why not you take credit card details before sending to maxmind ? I see more advantages with taking the card details and sending it to maxmind rather than just doing a verry basic fraud screaning. coz since we offer service (web hosting) we want to have credit card fraud screaning not a address screaning ?

any reson why I dont see this Country of issuing bank based on BIN number matches billing address country: FRANCE (Match= Yes) ? For this you dont have to enter bank name.

also as I know it doesn’t matter you running it after or before checkout , you just can get the results from Maxmind otherwise how do you getting the results of the If Country of IP address matches Address Yes ?

why dont you run this after the checkout ?

No i mean not a single transaction , How do I make pre auth all the transactions that are going through the system ?

Hi, This is my current billing systems output.. but when I compared this with your output I see so many important factors you have missed out and I just want to know whether you will be able to implement those with the maxmind Order Information - Order ID : xxxx Fraud Guard Score : 2.66 Distance from IP address to Billing Add : 328 KM Country Code of the IP address matches billing address country : FRANCE (Match= Yes) Country of issuing bank based on BIN number matches billing address country: FRANCE (Match= Yes) High Risk Country? : No Region of IP Address: : A8 City of IP Address : Sartrouville Internet Service Provider : COLT Telecom GmbH Organisation Responsible for IP Address : FR-COLT-FRANCE-BESS-SHAREDHOSTING7 Free Email Service? : Yes Anonymous Proxy? : No Likelihood of IP Address being an Open Proxy : 0.00% Likelihood of IP Address being a Spam Source : 0.00% Issuing Bank : LA BANQUE POSTALE (Match= Yes) Issuing Bank Phone : 33-5-55425095 (Match= No) What things that you have missed out 1.Country of issuing bank based on BIN number matches billing address country: FRANCE (Match= Yes) You have nothing for this. This is such a very important field I am not sure how you missed that out. 2. Issuing Bank : LA BANQUE POSTALE (Match= Yes) Issuing Bank Phone : 33-5-55425095 (Match= No) And the above two , to implement you have to ask those questions from the customer for that you need two additional fields with the credit card info If you can implement the items above I am sure most of the people will be very happy with it.

Hi, I am using link point pls tell me how to pre auth a transaction ? Thank you.

how can I do this manually ? When we setup a product why not put a drop down box with the years weeks or months that you need to do reoccuring? I think it will be easy for you guys and us ?

yeah as Paul pointed out how to setup a recuring order for 3 or more years ?

If I select my product as one time billing do my customers get a renewal email with a link to renew his one time plan ? if not pls tell me how to setup something like that , I have yearly billing some times I offer plans with 5 years. pls tell me how to handle such a thing? all I want is what ever his plan duration, if his plan expired send him a reminder with a renew link for him to signup

Hi, I am processing visa and master cards with a linkpoint and Amex I am using another processor , is it possible to configure both gateways ?