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FraudTrak2 Chargeback Protection - Supports CVV(II)!!*

There are infrequent, although sometimes persistent attempts to defraud our valued client base. We have developed a real-time testing routine to guard against these attacks, and report the results of these tests to the merchant on every transaction for follow-up prior to fulfillment consummation. Optionally, these charges can be approved or declined automatically based upon the following user-defined parameters.

This is a multi-layered routine to notify the merchant of any suspicious transaction and/or to limit the region of distribution of products. This program is included for no added charge for any merchant using our DirectLink™ Plus real-time transaction management program. Visit the Demos page for alive example

FraudTrak2™ also enables you to limit shipment of goods to the countries, states and/or other regions of your choice. (For example, some software cannot be distributed outside the U.S. without appropriate export arrangements.) Also, certain countries, due to a high incidence of fraud, may be necessary to exclude.

Address Verification System (A.V.S.) - We support this widely-used system to verify that the billing addresses and zip-codes your customers enter are identical to the ones on their bank records. We offer merchants a choice of six levels of protection:

Level 0- Allow All Transactions
Level 1- Allow International (No AVS)
Level 2- (Reserved For Special Requests)
Level 3- Require Zip Code Match Only
Level 4- Require Address Match Only
Level 5- Zip & Address Must Match (No International)
Level 6- Zip & Address Must Match (International O.K.)

Many merchants choose to have us accept all submitted charges (Level 0), reviewing the AVS response Code in their Virtual Terminal™ or on their digital email receipt prior to fulfilling the order.

Block Internet Protocol Address (I.P. Address) - We routinely collect the I.P. address of every transaction made on our systems. If certain I.P. addresses are causing problems you may block them from transacting on your site.

Block Email Domains - Many times fraudulent users may establish temporary email addresses from the many free services available online. Since everyone with internet access has a primary email address, you can block the free @domains and require the main email address be used to conduct business with you.

Bounced Emails - If a customer's receipt is returned, perhaps innocently, perhaps purposely, you need to know about it before you ship goods. We send you an email and/or you can enter your remote script URL in the field provided to fire a custom routine on your server.

Block Country - Ever try to collect a chargeback from a customer in Laos? With FraudTrak2™ you won't have to!

FraudTrak2™ Negative Database - Unscrupulous individuals attempt some very creative ways to get access, goods and services without paying for them. Some order products and continually attempt chargebacks, accusing others of unauthorized use of a credit card, usually a friend or relative. Many times they will attempt to hit the same site repeatedly, gaining access this month, charging back next month, and repeating the process. We have identified many of these individuals, and maintain an exclusive, growing database of thousands of card numbers through which charges can be screened prior to authorizing a transaction. We encourage merchants to report these violations directly to our technical support center (with supporting documentation) for inclusion via fields provided in the individual Merchant Administration System interface.

Additional protection is available - we welcome the opportunity to design additional safeguards as our relationship progresses. Our experienced e-commerce technicians have an outstanding record of security, and routinely offer some very creative suggestions for the protection of our more heavily targeted sites for little or no additional outlay. If more security is a serious concern to any merchant, please contact us to discuss the parameters and pricing involved.


* CVV(II) = Card Verification Value '2' is a set of three digits, found only on the signature plate on the reverse side of most credit cards, that is unique to that card. By requiring that your customers enter this value you are adding a very important layer of security to every transaction on your site. Since the CVV(II) is found only in this location, the card is more likely to be present and therefore there is a reduced risk of fraud (i.e. stolen charge receipts from department store dumpsters, intended to be used to fraudulently purchase goods online, would not reveal the card's CVV, and therefore could not be used on sites supporting this routine.)