Here are also some Manuals Checks for the Customers so that there are least chances of being scammed.
Name and phone number
- Look out for a supplier whose name is not correctly formatted and/or shows nonsense details. Check the electoral role for the shopper's details using a service such as www.192.com.
- A mobile phone as the contact number is riskier.
- If the supplier has provided a landline, use one of the free web-based look-up programs such as (UK only) http://www.ukphoneinfo.com/section/tci/locator.shtml to check that the area code of the phone number matches the address
Remember: a fraudster who has obtained card data by copying elements from a card will not usually have the genuine user's billing address and will have to make one up. Look out for:
- an incomplete billing address
- a supplier who refuses to confirm their credit/debit card and billing address details
- a delivery address that's not the same as the billing address
- an export delivery address, particularly to certain countries (please refer to the table in Country Checks for a list of high risk countries)
- a temporary address such as a hotel or boarding house
- Deliveries to airports or other unlikely addresses such as industrial estates if it's not a business to business transaction.
These aren’t necessarily evidence of fraud. A supplier on holiday, for example, may request delivery to a hotel and not the billing address. But they are all worth checking. Consider using the Electoral Register in the UK or your local equivalent to check names and addresses.
If you are not convinced your customer is geniune after carrying out the checks above, consider checking the suppliers ID to try and confirm they are the geniune cardholder by requesting a copy of:
- a passport and/or driving license
- a utility bill with an address that matches the billing address provided
- a bank statement or credit card statement showing the correct billing address (sensitive data can be obscured by the supplier)
Remember, you as the merchant have responsibility for how you manage confidential or sensitive information, so you'll need to destroy or securely file this information after you've used it.
- Refuse to contact the Supplier on Email Address other than the registered on TradeKey.com.
- Websites such as www.verify-email.org can also help confirm whether the email address actually exists, although it doesn't work with all email providers.
- Send an email to the email address supplied to confirm that it exists. If it doesn’t it may be returned by your email server as undeliverable.
- Suppiers often enter their email addresses wrongly: for example, another character where the '@' symbol should be or misspelling of .co.uk, .com. You might detect obvious misspelling by comparing the supplier’s name with their email address
- if you can’t identify an obvious problem and you can’t make contact by email, try the phone number the supplier provided.
Check the IP address supplied on the order confirmation matches the shopper's billing country using a free IP address lookup tool such as http://www.ip-to-location.com/free.asp. You can find similar tools by carrying out a web search for 'IP look up tools' or similar.
[Originally Posted by Shan Ahmed]