badcustomer.com ?
- Thread starter SteveBtm
- Start date
By "processing", I think you mean "risk management". You don't need a poorly implemented third party negative list such as badcustomer.com. That junk is for RM newbs that don't have a tool set yet, or haven't had enough bad experiences to know how fraud works in the first place. Black lists aren't going to help you except to weed out what is known as 'serial frauders'. (But for that, you have your own in house black list anyway.)
If you want to leverage real time, crowd-sourced negative lists developed from millions of transactions, check out a company called 'Kount'. I've interviewed them on the phone because I research risk management companies.
What you do need is tools such as a paid 'people search' membership so that you can inspect your customers. Another good thing is automated verification tools such as those which verify a cellphone via voice or SMS.
Needs (and best solutions) vary and are of course contextual. Nobody can really give you advice until you explain what the exact situation is. Generally speaking, asking a questions with one sentence just doesn't work very well, especially online where everybody will gladly give you an opinion regardless of how well they understand your situation. The usefulness of your feedback is generally going to be a product of your input. ergo, if you ask questions with a higher level of quality (i.e. detail) you may get much better answers.
How fraud works:
1. It all starts with phishing. A phished paypal account or cc info block sells for less than a cup of coffee.
2. Someone accesses a botnet to make a purchase, and they might also be subscribed to an IP telephone service for good measure.
3. You get an order from them and it looks clean because the IP and the phone number are both local and fit the profile of the billing/shipping information provided at checkout.
Multiply this by a few hundred thousand frauders that do it full time and you can see that a blacklist isn't going to do much. I have all of my research compiled online, you can PM me for a link that will show you how to do effective risk management.
If you want to leverage real time, crowd-sourced negative lists developed from millions of transactions, check out a company called 'Kount'. I've interviewed them on the phone because I research risk management companies.
What you do need is tools such as a paid 'people search' membership so that you can inspect your customers. Another good thing is automated verification tools such as those which verify a cellphone via voice or SMS.
Needs (and best solutions) vary and are of course contextual. Nobody can really give you advice until you explain what the exact situation is. Generally speaking, asking a questions with one sentence just doesn't work very well, especially online where everybody will gladly give you an opinion regardless of how well they understand your situation. The usefulness of your feedback is generally going to be a product of your input. ergo, if you ask questions with a higher level of quality (i.e. detail) you may get much better answers.
How fraud works:
1. It all starts with phishing. A phished paypal account or cc info block sells for less than a cup of coffee.
2. Someone accesses a botnet to make a purchase, and they might also be subscribed to an IP telephone service for good measure.
3. You get an order from them and it looks clean because the IP and the phone number are both local and fit the profile of the billing/shipping information provided at checkout.
Multiply this by a few hundred thousand frauders that do it full time and you can see that a blacklist isn't going to do much. I have all of my research compiled online, you can PM me for a link that will show you how to do effective risk management.
By "processing", I think you mean "risk management". You don't need a poorly implemented third party negative list such as badcustomer.com. That junk is for RM newbs that don't have a tool set yet, or haven't had enough bad experiences to know how fraud works in the first place. Black lists aren't going to help you except to weed out what is known as 'serial frauders'. (But for that, you have your own in house black list anyway.)
If you want to leverage real time, crowd-sourced negative lists developed from millions of transactions, check out a company called 'Kount'. I've interviewed them on the phone because I research risk management companies.
What you do need is tools such as a paid 'people search' membership so that you can inspect your customers. Another good thing is automated verification tools such as those which verify a cellphone via voice or SMS.
Needs (and best solutions) vary and are of course contextual. Nobody can really give you advice until you explain what the exact situation is. Generally speaking, asking a questions with one sentence just doesn't work very well, especially online where everybody will gladly give you an opinion regardless of how well they understand your situation. The usefulness of your feedback is generally going to be a product of your input. ergo, if you ask questions with a higher level of quality (i.e. detail) you may get much better answers.
How fraud works:
1. It all starts with phishing. A phished paypal account or cc info block sells for less than a cup of coffee.
2. Someone accesses a botnet to make a purchase, and they might also be subscribed to an IP telephone service for good measure.
3. You get an order from them and it looks clean because the IP and the phone number are both local and fit the profile of the billing/shipping information provided at checkout.
Multiply this by a few hundred thousand frauders that do it full time and you can see that a blacklist isn't going to do much. I have all of my research compiled online, you can PM me for a link that will show you how to do effective risk management.
Actually just recently spoke with Kount and plan on giving them a go. Thanks!
the customer is always supposed to be right, cleary this cannot always work. Be more specific the generating your issue and the right answers will come, for they are mere solutions as fuel for the new challenge.
Nigga what?