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Have the new one on. But, I just do manual verifications after every order so it doesn't really matter a lot - just giving me a bit more of a basis to place it's results on.
Alot of people seem to agree with doing further verification after 2.5
We turned on phone verification for everyone. Seems effective.
The biggest problem seems to be how to teach people to enter their phone number in the correct format.
use maxmind old score with 2checkout for manual fraud verification
or use phone verfication is better
What this guy said, 2CheckOut's Fraud Verification is quite awesome, Blows PayPal away and MaxMind, More detailed and helps you as a seller be more safe with online transactions.
But for me, i dont like paypal specially for their dispute system, becuase scammers use dispute to get their money back.
And be carefull, always withdraw your money, maybe someday you will surprise that paypal limit your account and you can't get your money anymore.
Unfortunately that would incur extra fees we don't pay now.
Anyway, 2checkout is quite expensive, but they offer discount if you have less of chargebacks transactions
We pay $0.05 + 3.5% per transaction with paypal so even if 2co was $0.05 more per transaction we'd loose more money trying to prevent fraud than if we just dealt with it.
me too. i even didn't know what is the correct format for phone number in whmcs lol
@Mon5t3r the correct format is: just the phone, without the international dialing code.
I.e. people from UK should not be prefixing their number with 44 and any zeroes. MaxMind will automatically add +44 in front of their number and try to call them.
@BlueVM Yep, 2CheckOut Cuts a big lump out of our profits, Soon I will inquire how to get these lowered.
@rds100 thanks!!!
You guys just gave me a great idea for a WHMCS verification plugin :P
You know gentlemen... no offense intended, but there are days I see some of these threads and genuinely wonder just how many folks get into this without really researching the tools they'll be using =/
Wait, there are tools to make this easier?
When I looked at 2CO, it was 3.99% plus $.45 per transaction plus $10.99 per month. Ouch.
https://www.2checkout.com/pricing/
@aldryic TBH a lot of these tools spew a lot of mumbo jumbo at users and it's hard to understand what settings are optimal. To high and good users get caught, too low and you get scammers, spammers, and god knows what.
Yes, its name its @Aldryic according to @Francisco
We use the new scoring system, set to deny anything above 0.1. Keeps most of the fraud away, and our PayPal agent stays happy. :-)
This is where RTFM comes into play. I'm willing to bet that most of the folks using Maxmind on their WHMCS just plugged in the free account details, and ever even bothered looking around Maxmind's site for configuration help.
Know what else throws a lot of 'mumbo jumbo' at users? OpenVZ. OSHI-
I wish we could use it on your sales posts, but I guess that's an issue that will never be addressed.
What amazes me is how many people think that relying on an automated service to be 100% accurate is the best way to go. You do actually have to spend some time reviewing and auditing if you want to be accurate. Maxmind is a guide, not a final decision, and to be perfectly honest I wouldn't trust any host who says "Maxmind (or any other service) says yes/no, that's good enough for me".
Granted, most of the hosts I see don't really case who they host, so long as they get paid at the end of the day. And even the majority of the ones that do try to keep their networks clean, how many can honestly claim that their client records are at least 80% accurate? How many signups from Mr AAAA of 123asdf St have you accepted because a fraud system said it was ok?
@Aldryic, I think you could probably write a book on online fraud detection/prevention and sell it on Amazon. There is not really any good guide I have found. There's some common sense stuff, the maxmind docs, the few books on hosting that have been written, some WHT tutorials, etc. but the hows and whys of online fraud detection/prevention are not really accessible to the average bear.
4.5 risk score and a quick glance at each new order (no automated account creation). No successful fraud attempts in the past few years. It's not that hard to pick out a fraudulent order, even without MaxMind.
I won't trust maxmind at all. It is very simple to place an order with appropriate fake details and fake PayPal accounts so maxmind won't detect the order as fraudulent. If you use an proxy/vpn to hide your IP and make it's Geo code matching to the land you selected during the order in whmcs, maxmind is kinda useless.