Online Fraud and Carding Attacks

Michael · November 2008

This is a huge problem for us at CARE, and I know it's a problem for other folks out there too. I'd love to hear from others what sort of strategies, both internal business process and external in terms of prevention methods people have adopted.

We have full AVS and CVV and we are using Convio's velocity throttling tools. We've not been on Convio long enough to know whether it is making a significant difference yet, before that on GetActive, it seemed the criminals had enough accurate information to fool the AVS and CVV filters and the Verisign velocity filters were so ham-fisted as to be more harm than good. We're hoping Convio's more refined velocity filters will help, but we're coming under fire from the credit card companies due to elevated chargebacks, so there is a lot of pressure internally to bring more work to bare on combatting this issue.

I'd love to hear what other folks out there in NPO-land have been doing around this.

-mike

Walter Winfield · March 2009

I've received about half a dozen $10 chargebacks this week, which I'm hoping is the only wave of this we'll experience. If others have suggestions on this, I'm also game to hear.

Thanks,

Walter

conviojames · March 2009

Convio recently started working with a partner called Digital Resolve, who provides integrated services to combat fraud. Feel free to check them out.

Walter Winfield · March 2009

conviojames :
Convio recently started working with a partner called Digital Resolve, who provides integrated services to combat fraud. Feel free to check them out.

James,

Thanks for your reply and for the information. I had read about the new service and had already sent an inquiry to our account rep. I was still curious to hear other clients' input regarding the phenomenon.

Best,

Walter

Walter Winfield · May 2009

Walter Winfield:
James,

Thanks for your reply and for the information. I had read about the new service and had already sent an inquiry to our account rep. I was still curious to hear other clients' input regarding the phenomenon.

Best,

Walter

We implemented Velocity in March and it appears to have put a stop to the fraudulent charges (fingers crossed). One thing I discovered today is that because of the rash of charges IATS lowered our processing threshold to $1000/transaction. They did NOT notify us of this change. I only found out when a major donor notified us that he was having trouble making a donation. I did some research and called IATS and had the problem fixed. I thought I'd pass on my experience so others don't have the same problem.

Editorial note: It seems absurd to have lowered our threshold to $1000 because of $10 charges.

Walter

Online Fraud and Carding Attacks

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