Possible to do Credit card checking with MaxMind?

[maxatt]

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.

[Matt]

No, these cannot be implemented because the fraud check is run before checkout where the user enters their credit card details. That applies to all three and not just the last two as you stated.

 

Matt

[maxatt]

why dont you run this after the checkout ?

[maxatt]

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 ?

[Matt]

Of course all the results from maxmind can be and indeed are obtained except for the ones related to the users bank which as you said in your post are the only ones missing.

 

Matt

[maxatt]

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.

[Matt]

How do you think MaxMind would be able to tell you the issueing bank of the users credit card if the user hasn't entered their credit card number yet? Also, the bank country result is only available as part of the premium service and not the minFraud service.

 

Matt

[maxatt]

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 ?

[Matt]

Not all companies using WHMCS have a merchant account, therefore not all users process credit cards, but all want to use fraud screening, so therefore fraud checking is done during the order process which all customers go through and not after credit card details are entered which only some customers do. It's not just address screaning that is done currently - there's address, email address, country, IP checking and phone verification.

 

Matt

[maxatt]

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.

[trine]

Matt, is this something that you'd consider adding, as I am sure many with merchant account may want to take advantage of it ?

[steveglenn01]

Hi trine,

I agree with you and also have same opinion.

[bmuthig]

We have moved from ModernBill v4 and FraudGuardian and this was one of the best features we had for checking for fraud! (The CC BIN matches.)

 

I am happy to pay for the Premium service from MaxMind and heck I would pay for 2 checks if that is what it takes for now. How about an option that allows you to run *another* check on the first invoice credit card if the payment is by CC?

 

It's a LOT cheaper than dealing with the charge backs we're going to have to deal with and anybody here running a merchant account is going to understand and agree (Min. $20 a pop for a charge back, plus time and annoyance). I have to agree, I am disappointed that this is not available.

[SleekServ]

I'm confused. The issue is with fraud checks, and yet, most of us with merchant processors, use a company like authorize.net which will then run the proper AVS checks on the creditcard data entered. Theres no need to run the AVS checks on the creditcard with 2 different companies. If your clients account passes both a minmind fraud check and the AVS checks then its pretty likely its a valid order.

[maxatt]

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

[lily1234]

I agree with you and also have same opinion.