|
Protecting_Your_Online_Store_from_the_Internet_Burglars_Part_3
| Protecting Your Online Store from the Internet Burglars, Part 3
Thanks for joining me for Part 3 of this article. Now let's look
at some lessons we learned from our scenario of two Internet
store owners.
Lessons to be learned:
That's what is great about this booklet. You don't have to lose
to learn these lessons. If you read carefully and apply the
principles I am going to teach you, your online business will be
a fortress against credit card theft. Thieves prey on new online
stores or lazy merchants.
I hate to be a skeptic, but TRUST will put you out of business
on the Internet. Apathy will put you out, too.
Here are my steps to protecting yourself:
1. Do not use an automatic verification service for online
shopping carts. There are many providers out there who say they
will take care of your processing for you. All you do is send
your customers to the verification/credit card purchase page
that the provider gives. The money is then automatically
deposited in your account. We created our own shopping cart.
When we get an order, we're sent an email with a link to click
on that takes us to a webpage printout of the order. We then
take that information, use the software our merchant provider
gave us and input it there for verification by modem. Your
credit card verification should be either by software or by
telephone verification. This gives you control of what
transactions you allow to go through.
2. Take a good look at the order. Does it look strange to you?
Is the amount a large amount? For example, is someone ordering
200 computer monitors from you? There's probably a 99% chance
it's stolen. Is the email address they provided from a free
email service? Look at the ship to and bill to addresses. Are
they different? Is someone having something shipped overseas,
but the credit card billing information is in the United States?
3. Call EVERYONE who orders from you. We get 4.9 cents a minute
on our long distance, so for 25 cents to call the customer and
the toll free number to the bank that issued the credit card, we
verify EVERY order.
4. When calling the customer, explain to them that you have seen
a lot of credit card theft on your online store. Make it clear
that you want to protect them. Ask them these 2 questions. They
will tell you whether or not that person has that credit card in
their hand:
A. Please provide me with the tollfree number from the back of
your card. B. Please provide me with the bank's name
This conversation with the customer also gives you the
opportunity to check them out and give them the comfort of
knowing a human being took their order. (You would not believe
how many of our online store customers have said they felt
better that they got to talk to a real person!)
This does not ensure that the person you are speaking to on the
phone did not lift the card from someone in a store or on the
street. You MUST do step #3 to ensure your safety.
5. Call the toll free number they gave you over the phone.
Explain to the bank that you are a merchant with an Internet
store, and you need to verify that the order you received was a
valid one. You can give the address that the customer gave you
as a billing address to allow the bank to verify that this is
the correct address.
You're STILL NOT FINISHED YET.
6. Make a copy of the order from your online store. Make a copy
of the verification printout that you get or write down the
authorization number received when you verified that the credit
card had enough on it to make the sale. Make a copy of the
invoice. File these away in a safe place. You would not believe
how many times we've received letters from our merchant account
provider that ask us for these things because the customer is
trying to do a chargeback against us, claiming they never made
the transaction in the first place. YOU EAT THESE and sometimes
lose your merchant account if there are too many of them. And
there are more than make me comfortable! If you don't save
copies of this documentation, you lose!
7. Another method of verification that will protect you: For
orders over a certain dollar amount (the amount is wherever your
level of UNcomfort is), we fax our customers a copy of the
credit card slip and have them sign it, then fax it back. We
sometimes also have them put their card under a blank piece of
paper, scratch over it with a pencil so that an impression of
the card number, expiration, and name on the card show up, then
have them sign this piece of paper and fax it to us.
Another note:
If the customer has sent you a check, MAKE A COPY OF THE CHECK.
Attach this to the invoice and file in a safe place.
Now, I know that Internet online stores seem to be an easy place
to make a quick, lazy buck, but as you can see, not talking to
who orders from you and not using the services of Visa,
Discover, Mastercard, and American Express can hurt you.
When I return, I’ll provide you with some resources to protect
your online store even further.
About the author:
Lynne Schlumpf is the CEO of Route 66 Cyber Cafe, Inc.,
http://www.r66cci.com, a Web hosting and design company
specializing in promoting websites for new owners, building
affordable e-commerce sites, and providing reliable web hosting
solutions as an affiliate of Virtualis Incorporated.
|
|
| |
| |
