Jinsi Wauzaji Wanavyoweza Kupunguza Udanganyifu wa Kadi ya Mkopo
Na Ricky Bracken
Ikiwa unafanya biashara ya rejareja au ya kielektroniki, kukubali kadi zote kuu za mkopo na hundi za kielektroniki ni njia inayohitajika ya malipo ya mteja. Hata hivyo, unapoamua kukubali malipo ya kielektroniki, wamiliki wa biashara lazima pia wazingatie gharama inayowezekana ya ulaghai. Tafiti zina inavyoonyeshwa wafanyabiashara wa jadi na mtandaoni wamepoteza mabilioni ya miamala ya ulaghai. Leo, teknolojia hutoa mbinu zilizothibitishwa za kutambua na kuzuia miamala ya ulaghai.
Udanganyifu unaweza kuja kwa njia nyingi. Bila kusema ulaghai ni mbaya kwa biashara. Ukichakata agizo la ulaghai la mteja kufikia wakati unagundua kuwa kadi ya mkopo iliibiwa tayari umesafirisha bidhaa hiyo.. Maagizo ya ulaghai husababisha malipo ya kadi ya mkopo ya mteja kwenye biashara yako. يجري, kwa wakati huo, you have delivered and lost your product, you have lost the income from the sale and to top it all off; you will receive a chargeback fee from your credit card processor. I’m sure we can agree there is a strong need to identify and stop a fraudulent order before you deliver your product. Fortunately for the merchant, there are many steps and processes that can be implemented to reduce and eliminate credit card fraud.
10 WAYS TO REDUCE CUSTOMER CREDIT CARD FRAUD
1. Address Verification Service (AVS) – is a simple and easy to implement process to decrease your chances of accepting a stolen credit card. When you process a credit card transaction; make sure you capture the card holder’s billing address and zip code. Manual non-swipe (Internet and MOTO) miamala itakuhitaji kunasa maelezo ya mwenye kadi. Hata hivyo, kadi iliyopo (telezesha kidole) shughuli si. Mara tu unaponasa anwani ya bili ya mwenye kadi na msimbo wa eneo uko tayari kushughulikia ofa. Mfumo wako wa mauzo utathibitisha AVS na benki inayotoa kadi. Unaweza kupokea anwani ya mtaani inayolingana pekee, msimbo wa zip unaolingana pekee au unaolingana na anwani ya mtaani na msimbo wa eneo. Ikiwa hutapokea AVS inayolingana, unapaswa kuzingatia kukataa muamala. Takriban 80% ya miamala ya ulaghai nchini U.S. ni makosa ya AVS. Kumbuka, mifumo mingi ya AVS inaweza kusanidiwa kwa hivyo hakikisha kuwa umeangalia mipangilio yako ya AVS. Utekelezaji wa AVS unaweza kuwa na athari kubwa katika kupunguza ulaghai wa kadi ya mkopo.
2. Uthibitishaji wa Kadi (CVV/CVV2) – ni sawa na AVS. CVV ndio 3 msimbo wa tarakimu nyuma ya kadi ya mkopo (4 tarakimu za American Express). Kama vile AVS, CVV imeingizwa mahali pa kuuza. Msimbo wa CVV wa mwenye kadi huthibitishwa na benki inayotoa kadi wakati mauzo ya kadi ya mkopo yanachakatwa.. Usipopokea CVV inayolingana unapaswa kuzingatia kukataa muamala. Wafanyabiashara wa mtandaoni wanapaswa kufanya CVV kuwa sehemu inayohitajika.
3. Tumia Huduma ya Usimamizi wa Vizingiti – Udhibiti wa kizingiti huruhusu mfanyabiashara kuweka vigezo vya miamala atakayokubali. Kwa mfano, miamala inaweza kuchunguzwa kulingana na kiasi cha pesa kinachotozwa kwa kila muamala, idadi ya miamala iliyotozwa, mzunguko wa shughuli, wastani wa tikiti ya mtumiaji, na kadhalika. Miamala ambayo imetiwa alama kuwa shughuli ya ulaghai itahitaji ukaguzi wa ziada na mfanyabiashara.. Huduma za Usimamizi wa Kizingiti kwa kawaida zinapatikana huduma ya nyongeza.
4. Scrutinize Orders from Free email accounts – Fraudsters and thieves like to hide. One of the easiest ways to hide the identity of a thief is to use a free email account. Most fraudulent transactions use a free email service. Merchants should not decline all transactions from a free email service. Hata hivyo, you may want to provide those orders with more scrutiny.
5. Scrutinize Orders with a different Ship to address than Bill to address – The thief with the stolen credit card may have the owners billing address and zip code. If so, you will receive an AVS and CVV match on their order. Hata hivyo, in order to receive your product they will request the order to be shipped to a different address. Merchants should review all orders with a different ship to and bill to address. If the ship to address is a foreign country pay even more attention to the order.
6. Scrutinize International Orders / Foreign Credit Cards – If your business model requires you to ship to foreign countries you should obtain an International merchant account. Since non domestic orders have a higher rate of fraud than domestic orders, having an International merchant account will provide you with a higher level of protection. In additional, an international merchant account will allow you to settle in the local currency. If you require a domestic and international merchant account you should use a payment gateway with load-balancing. Load-balancing provides the merchant with the ability to use multiple merchant accounts in a single payment gateway account.
7. Understand that an Authorization Code does not mean the credit card is not stolen – An authorization code is provided when the transaction has been approved. Hata hivyo, an authorization code simply means the credit card is valid and has the available credit to process the transaction. Ultimately, as the business owner, it is up to you to decide to accept or reject the transaction.
8. Use an Advance Fraud Protection Service – Advanced Fraud Protection services allow the merchant to block transactions by IP address, Country of Origin and other fraud filters. Advanced fraud protection services are usually available an add-on service.
9. Use a PCI Compliant Data Storage Service – Merchants who have a requirement to store the customer’s credit card data should use a PCI Compliant Data Storage Service. Huduma ya Kuhifadhi Data Inayozingatia PCI inaruhusu wafanyabiashara kusambaza na kuhifadhi taarifa za malipo ya mteja katika Kiwango. 1 Kituo cha data kilichoidhinishwa na PCI. Mara tu rekodi ya mteja inapotumwa na kuhifadhiwa kwa usalama, mfanyabiashara anaweza kuanzisha shughuli kwa mbali bila kupata kadi ya mkopo au taarifa za ukaguzi wa kielektroniki moja kwa moja.. Utaratibu huu unakamilishwa bila mfanyabiashara kuhifadhi maelezo ya malipo ya mteja katika hifadhidata ya ndani au maombi ya malipo.
10. Kagua na Utekeleze PCI (Viwango vya Sekta ya Kadi ya Malipo) Sera – Wafanyabiashara wanaweza kukagua Viwango vya PCI mtandaoni katika pcisecuritystandards.org. Iwapo unatumia suluhu ya uuzaji inayoambatana na PCI na hauhifadhi data ya malipo tayari uko katika hali nzuri.. Hata hivyo, merchants should contact their merchant account provider for more information.
Fraud prevention is a necessary activity for traditional and online merchants. Exposing your business to fraudulent transactions and high chargeback ratios is bad for business and could cause you to lose your merchant account. The leading real-time payment gateway services provide advanced fraud protection tools. Hata hivyo, many fraud prevention techniques can be implemented at no additional costs.
Top Real-time Payment Gateway Services
1. Planetauthorize (Domestic USA and International)
2. Authorize.Net (Domestic USA)
3. PlugnPay (Domestic USA)
4. Skipjack (Domestic USA)
5. eProcessing Network (Domestic USA)
Ricky Bracken is President & CEO of SaleManager Merchant Services. SaleManager provides enterprise class payment solutions to small and mid-size businesses.
Makala Chanzo: http://EzineArticles.com/?expert=Ricky_Bracken
http://EzineArticles.com/?How-Merchants-Can-Reduce-Credit-Card-Fraud&id=5141319