[asterisk-users] How to deal with PayPal frauds?

[SIP]

When you start taking credit card payments (assuming you will), be
careful with small payment amounts. You'll become a fraud haven. A lot
of CC thieves or people who've just bought a CC number will use a small
amount charge to check and see if the card is any good.

Check out some of the MaxMind stuff for fraud prevention. They will do a
lot of the IP geolocation checks and such for you for an exceptionally
SMALL fee per transaction (fraction of a cent). It is absolutely worth it.

N.


Zeeshan Zakaria wrote:
> Thanks Matt, and everybody else, very useful information. I guess I'll
> have to sit again and spend time coding delays, small amount payments
> for new accounts and paypal=signup email match.
>
> -- 
> Zeeshan A Zakaria
>
> On Mon, Aug 31, 2009 at 12:07 AM, Matt Riddell <lists at venturevoip.com
> <mailto:lists at venturevoip.com>> wrote:
>
>     On 31/08/09 2:45 PM, Zeeshan Zakaria wrote:
>     > Those who are more experienced in this business, please advise
>     how to
>     > avoid this type of fraud, and which service to use in place of
>     PayPal,
>     > because PayPal doesn't seem the right payment solution for a prepaid
>     > VoIP service. Also now that they have all the payments put on
>     hold and
>     > asking for a resolution, their resolution center is good only for
>     > shipped merchendise, not for online services. How would I prove
>     to them
>     > that the buyer who is asking his money back has already utilized my
>     > service by making lot of international calls, which I now have
>     to pay
>     > for to the carrier.
>
>     I've used CDR for that and don't automatically accept payments.
>      When we
>     receive a payment we compare:
>
>     1. IP Address of user (whois normally gives approximate location)
>     2. Paypal account holder email (should match sign up email)
>     3. Countries for emails and ip address should match.
>     4. Initial payment should be $1-$2 (i.e. noone is going to sign up
>     for a
>     service and in order to test it put down $500 via paypal)
>
>     If any of the above look suspect I ask the paypal account holder to
>     email me and start looking at email headers to see how sus it looks.
>
>     If it's a large amount then they have to have already been doing
>     business with us successfully with small amounts - most scammers can't
>     be bothered doing this.
>
>     --
>     Cheers,
>
>     Matt Riddell
>     Director
>     _______________________________________________
>
>     http://www.venturevoip.com/news.php (Daily Asterisk News)
>     http://www.venturevoip.com/st.php (SmoothTorque Predictive Dialer)
>     http://www.venturevoip.com/c3.php (ConduIT3 PABX Systems)
>
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