Identify CNP (Card-Not-Present) Fraud Indicators

If you sell online or over the phone keep your eyes open for the following fraud indicators. When more than one is true during a card-not-present transaction, fraud might be involved.  Be diligent just in case.

      1. First-time shopper: Criminals are always looking for new victims.
      2. Larger-than-normal orders: Because stolen cards or account numbers have a limited life span, crooks need to maximize the size of their purchase.
      3. Orders that include several of the same item: Having multiples of the same item increases a criminal’s profits.
      4. Orders made up of “big-ticket” items: These items have maximum resale value and therefore maximum profit potential.
      5. “Rush” or “overnight” shipping: Crooks want these fraudulently obtained items as soon as possible for the quickest possible resale, and aren’t concerned about extra delivery charges.
      6. Shipping to an international address: A significant number of fraudulent transactions are shipped to fraudulent cardholders outside of the U.S. Visa AVS can’t validate non-U.S., except in Canada and the United Kingdom.
      7. Transactions with similar account numbers: Particularly useful if the account numbers used have been generated using software available on the Internet (e.g., CreditMaster).
      8. Shipping to a single address, but transactions placed on multiple cards: Could involve an account number generated using special software, or even a batch of stolen cards.
      9. Multiple transactions on one card over a very short period of time: Could be an attempt to “run a card” until the account is closed.
      10. Multiple transactions on one card or a similar card with a single billing address, but multiple shipping addresses: Could represent organized activity, rather than one individual at work.
      11. In online transactions, multiple cards used from a single IP (Internet Protocol) address: More than one or two cards could definitely indicate a fraud scheme.
      12. Orders from Internet addresses that make use of free e-mail services: These e-mail services involve no billing relationships, and often neither an audit trail nor verification that a legitimate cardholder has opened the account.

Other Possible Fraud Scams:

Deaf relay system: This service allows the fraudster to not have to speak a word to the business and has been targeted for fraud sales. Please use careful precautions when accepting sales.

Wires or Western Union: Scammers pay using a fraudulent credit card but ask for money to be wired or sent via western union back to them for one reason or another.

Too Good to be True”: If the sale is a very large amount, the customer is asking for large quantities or the sale is otherwise out of the norm for your business it might be a fraudulent sale.

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