Prevent Credit Card Fraud With Bin List Internet Articles | December 29 Wholesale Antonio Callaway Jersey , 2011 Fraud is a criminal activity that can get out of control if nothing is done. This is because it's actually easy for someone to use a stolen card to buy something online. All that is needed is the car...
Fraud is a criminal activity that can get out of control if nothing is done.
This is because it's actually easy for someone to use a stolen card to buy something online. All that is needed is the card number and a security code and the transaction can take place. If the card is found to be stolen, the bank will inevitably issue a charge back, and the funds will be returned to the original card owner.
The problem is, the goods have already been delivered. It's unlikely that such goods can ever be recovered. If the purchase takes up thousands of dollars, the retailer may have to write the transaction off as bad debt (an expense). On top of that Wholesale Chad Thomas Jersey , the bank charges a fee whenever it issues a charge back. Guess who pays for this fee? That's right - the retailer. So the retailer lost the goods, and now has to pay charge back fees! This is a form of injustice that retailers have to face when managing their businesses on a day to day basis.
So what can be done about such fraudulent transactions?
Fortunately, the BIN list can be a highly effective solution. What is a BIN list? A BIN list is also commonly known as a BIN database. BIN is short for Bank Identification Numbers. In other words, this is a database that contains valid card information that can be used for verification purposes. For example, a card reported as stolen will marked as invalid and when a check is performed Wholesale Austin Corbett Jersey , the transaction will fail. This helps to prevent fraud before it can happen, which is useful to all business owners (especially those who conduct business online).
The database contains information about Amex cards, VISA cards, etc. When a transaction takes place, a quick check is done in real time to see if the card being used is a valid one. If it's not Wholesale Nick Chubb Jersey , the transaction is rejected immediately. As the saying goes, "prevention is better than cure." Preventing fraud from taking place is definitely much better than having to try to recover goods that have already been sent out.
How can this solution be implemented?
If you have your own team of web developers, you can buy the database for a one-time fee and integrate it with the back end of the website. Once the database is installed, make sure you check all transactions with a script before approving them. If a card fails the check, the script should reject the transaction immediately.
Another option is to use the BIN list API to perform checks. This is an easier solution if you don't have tech savvy developers to back you up. Implementation is a lot easier since you do not need to install anything on your own website. Article Tags: Charge Back
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