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Illegal Credit Card Transactions

Posted on 2008-10-06
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Last Modified: 2013-11-29
I have a client that has a small ecommerce store front and he has been getting people that come to the web site and make fake orders to test out credit card numbers. So far the credit cards have been getting declined, but he just had some one come through with an approbed transaction.

What are things I can do to stop or help prevent this?
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Question by:JRockFL
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by:coreybryant
ID: 22688824
Are they coming from a specific Class C / country?  Some gateways will allow you to block countries and IP addresses.  This would be a start.  

Most almost all carts will check for the mod 10 algorithm - this should be the first thing that is checked.  True, most hackers (for lack of a better word) will have checked this, but there are some hackers that just think that they have good CC numbers.  

A lot of merchants will do a pre-authorization on CC transactions.  This won't help on stopping the hackers, but it will help on those transactions that get approved.  It will probably cost the merchant another quarter - depending on the merchant / gateway - but it is better than getting a chargeback on any orders that slip through (which I have to assume are happening).
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by:JRockFL
ID: 22690296
Thank you for you reply.
I'm not sure which country they are coming from, that would be start to only allow certain countries.
Where can I find more info on the mod 10 algorithm? I know this shopping cart does not check it.
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coreybryant earned 500 total points
ID: 22745868
Check out http://en.wikipedia.org/wiki/Luhn_algorithm - most carts check this by default, to help save the merchant the cost of a transaction fee.
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