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Wednesday, March 10, 2010

What is a chargeback?

A chargeback is the forced reversal of a transaction by the cardholders card issuer.

Chargebacks are raised when we receive notification from our bank that the cardholder's card issuer has received a notice of dispute from the cardholder. In certain circumstances we are able to ask you for information that we can offer in defence of this. In other circumstances (for example fraud) a chargeback is made immediately.

Don't become a SPAMMER

A few actions can help protect you from spam traps.

Most important, don't buy software that harvests e-mail addresses or bulk e-mail lists. Rob Bell, president and CEO of 1ShoppingCart.com Corp., an e-commerce solution provider that serves more than 8,000 clients, reports that many spam complaints are generated from their customers who import e-mail lists. Individuals who subscribe to these lists never know what they are going to get.

Often, they forget that they subscribed to the list in the first place and then send a spam complaint, says Bell.

Offering a double opt-in procedure also deters spam complaints. Subscribers opt in to receive e-mail. Then their first e-mail asks them to confirm their registration. Also, avoid future confusion by informing subscribers what will be in your e-mail.

Don't lure them in with a prize then hammer them to death with marketing, unless you are very clear about what's going to happen before they agree, warns Haight.

With more spam, comes more complaints. Legitimate e-marketers are at risk for being mislabeled spammers. So take extra precautions, and know that if you're caught in the spam crossfire, there's a way out.

Avoiding online fraud

The following best practices, taken from various experts, are offered to help you avoid being victimised by internet fraud. Experience suggests that there are certain characteristics that can be tip-offs to possible fraud.

Each of these characteristics by itself is very seldom cause for alarm. It is usually when several of these factors characterise an internet purchase that you may be the target of a fraud scheme.

Incomplete information

Begin taking a few extra steps to validate each order. Don’t accept orders unless complete information is provided (including full address and phone number - do not accept cellular phone numbers only.

First-time shopper

Criminals usually hit a merchant once and don’t go back a second or third time.

Larger-than-normal orders

This requires knowledge of what a “normal-sized” order is. Because they may be using stolen cards or bogus account numbers that have a limited life span, criminals need to maximise the size of their purchase.

Orders consisting of several of the same item

As these items are intended for resale, having more of them increases the criminal’s profits.

Multiple transactions on one card, but multiple delivery addresses

International card number(s) used for local delivery addresses

Local card number(s) used for international delivery addresses

Different “bill to” and “ship to” addresses.

Be wary of orders with different bill to and delivery addresses.

Precautions to take with orders from free e-mail accounts.

Send an e-mail requesting additional information before you process the order.Ask for a non-free mail address, the name and phone number of the bank that issued the credit card, the exact name on the credit card and the exact billing address.

Hotmail or free e-mail addresses

These addresses can’t be tracked back to the real owner. The customer must provide an ISP or domain based address. Try not to accept any orders originating from a free, web-based or e-mail forwarding address. Install filtering software that rejects orders coming from different free e-mail services.

When in doubt call the phone number (remember don’t accept cellular phone numbers only) listed on the order and confirm the order.