2checkout fraud check just seems to be a waste of time 25% of my sales orders are becoming fraud later so how they passes fraud check ?

Do 2checkout use verified by VISA & Mastercard source code ?

It is very annoying when you have sales over $500 you got it all in your card & after a month you get unauthorized claims, your balance goes – 500

& you get a mail from 2checkout collections dept. to send the due payment asap

even when your not a defaulter & even when your having a good sales record.

I think its very difficult to do business with……… It just gives a shock everyday.

May be paypal is better than 2checkout, when you have a fraud order in paypal, you’ll definitely get Inquiry by Paypal within 4 – 5 days for the fraudulent transaction so you don’t have to get troubled later. It will not ask you to refund like 2checkout , when you have spent all your balance & you suddenly have to pay all back.

I am searching for an alternative of 2co now.

It’s nice to hear there are honest people out there and that you went out of your way to help this lady get her identity fraud taken care of. I recently spotted a charge for some web traffic hits site on a card I never use for online purchases. I’m still wondering how this could have happened as I rarely use that card at all. I deposit money in there and that’s pretty much it; its a savings account primarily. I have other debit cards which I use for purchases. Anyway I had to report the card as stolen so whoever it was couldn’t do it again but the process of calling the bank to stop payment is too easy. For example Bank of America even lets you do it online. I certainly hope that they keep track of that sort of thing.

With over 3 years with Paypal I have had no chargeback issues and when there is a dispute, it is resolved within a period, not simply sending back the money as if a $500 chargeback is a $10 order. I simply feel that something more can be done. I have had 2checkout tell me that the AVS was not matched on the credit card. Hell, if you take the order and pass it then darn well check the AVV/AVS number or at least inform me that you have not done so then I could have made the decision not to ship the order. Where I am now with 2checkout, I am simply going to clear up the deficit which this last forced chargeback has caused.

Even worse, 2checkout has never provided me with info that my refund rating was too high, so even when there policy states no chargeback fees when 2checkout has authorized the order, beware, as if you have been making a few refunds ( as per customer requests), you will still be hit with a $50 fee. Paypal, they allow refunds because they know it cuts down on customer drama, and better yet, Paypal refunds the fee. Even if a customer changes their mind, 2checkout still sticks me with the fee.

You know I used to be ahppy that 2chekout allows me to make more sales than with Paypal alone, but now I know it is NOT worth it as I am forced to make refunds and stand cahrgebacks in cases that the order has been verified shipped. Not only do I lose the cash but I actually have sent out the goods. So I believe that right now I am not an happy 2checkout camper….

And thank you for your reply as I now better understand your complaint. A valid complaint it is, as it is one of my biggest complaints as well. There are a couple of things I\’d like to mention. First, if the card holder contacts their bank without first contacting 2Checkout then we are at the mercy of what the bank\’s decision is. We can always challenge the dispute, but unfortunately it is the bank\’s final decision.
Those times however when the customer first contacts 2Checkout to claim an order is fraud, if they contact us via our support desk, we are able to try and match their IP address up as well as other things with their original order. If the order is connected to other known fraud, then we know it to be fraud and we\’ll cancel the sale. If however we determine the customer is claiming fraud falsely then we will take corrective action to try and save that sale.
Many times unfortunately, as a Ecommerce company, we do not have the same rights that a brick and mortar company has. In the Ecommerce world, the Merchant is liable, not the bank.
2Checkout does try to stop as much \”friendly fraud\” as we possibly can. Sometimes however it is not always possible. And so we have to do our best to limit losses.

I hope this was helpful and anytime you need to contact me about a specific case please don\’t hesitate to do so.

2Checkout does do this. And nibb, I\’m not sure which order/s you are referring to within your account. I see 1 order that you yourself refunded because the \”customer\” contacted you claiming the order was fraud. I don\’t see where you contacted 2Checkout about this order. Because if you did, we would have told you that whether the order is fraud or not, the card holder in this case will need to contact their bank for a refund. You were protected against a charge back on this particular sale in regards to a fraud dispute. Which is why you should have contacted 2Checkout before deciding on a refund. Keep in mind that this is not always the case, most times if we find the order to be fraud it will need to be canceled and refunded. This particular case however, the card holder would have needed to go the route of contacting their bank.

The other order that has come back on your account for fraud reasons within the last year was not a refund that 2Checkout made, it was a charge back issued by the card association. The order was fraud and no other company on the internet would have or could have done anything different than what was done.

2Checkout has no control over when a charge back is issued. Whether you choose to have the order disputed or not is up to you. Many times however, its not worth the time or money that it costs. Other times it is. That decision whether it is in your best interest to challenge the dispute, is a decision the supplier needs to make.

Lastly, it is important for you as a 2Checkout supplier to maintain good communication with us. Be it our Fraud, Customer care, or Charge backs department.

\”You are welcome to ban sales to notorious countries if you so choose. You can do this by following the e-good allowable countries link on your home page. Here you can select what countries you would like to sell to and which countries you would not. Before you do start blocking countries, however, be sure to weigh how many good sales you will lose if you ban a country outright.\”

This is untrue, take Nigeria as an example of HIGH fraud incidence. We have added Nigeria to our block list but 2checkout STILL process orders placed from Nigeria. Why? Sure the billing address is in the USA but the IP is clearly Nigeria and shouldn\’t THAT be what you are basing the block on NOT the billing address they enter? If you did this the incidence of Fraud we receive would drop around 60% then do the same thing when it\’s a \”Satellite Provider\” and then that would drop it another 10%.

I will add that generally your fraud review department get these quite fast but I have cancelled them in most cases before they even get them.