Anyone know if Ljubljana Slovenia is a high fraud country?

Anyone know if Ljubljana Slovenia is a high fraud country?



Plus -- they make money on it!!!
Who would try to stop something they are profiting from?

Wendy

David Street typed:

> Acutally, the processors DON'T care about fraud - if anything goes
> wrong, you, the merchant, pays for it. Doesn't really matter to
> them.
>
> Robert Bokor wrote:
>
>> OOPS - I didn't know that! But we only do it 2 or 3x per month.
>>
>> Don't the processors want you to prevent fraud? What's the reason
>> for this?
>>
>> Bob
>> ----- Original Message -----
>> From: Wendy Estes
>> To: 'Tom' ; 'Robert Bokor'
>> Cc: 'MIVA MERCHANT GROU'
>> Sent: Sunday, April 03, 2005 11:14 PM
>> Subject: RE: [mru] Anyone know if Ljubljana Slovenia is a high
>> fraud country?
>>
>>
>> A word of caution using that method:
>>
>> It is against MC & Visa regulations to credit someones card without
>> a corresponding charge. Card Service International, for example,
>> will pull your Merchant Account if it happens too much.
>> I had CSI call me once and read me the riot act for it -- the girl
>> on the phone said "I better not see this happen again". (Even if
>> you put through the corresponding charge -- if the credit happens
>> first, it's a NO-NO).
>>
>> My .02 cents!
>>
>> Wendy Estes
>> www.digitecoptical.com
>>
>>
>> Tom typed:
>>
>> > Bob,
>> >
>> > Very creative test! I remember now that PayPal uses that same
>> method > to verify cardholders. I'll have to remember that trick. >
>> > "Hey, Rocky. Watch me pull a rabbit outta my hat!" > "Again?"
>> > "Nothin' up my sleeve. Presto!"
>> > *** ROARRRR! ***
>> > "Musta got the wrong hat."
>> >
>> > HTH
>> > Tom
>> >
>> >
>> >
>> > -----Original Message-----
>> > From: Robert Bokor [mailto:[email protected]]
>> > Sent: Sunday, April 03, 2005 9:53 PM
>> > To: Tom
>> > Cc: MIVA MERCHANT GROU
>> > Subject: Re: [mru] Anyone know if Ljubljana Slovenia is a high
>> > fraud country? >
>> >
>> > Tom,
>> >
>> > Thanks for your help.
>> >
>> > What I do when I know the country is high fraud (now I know
>> > Slovenia is one of them), we ask the customer if we can credit a
>> > small amount to his card. Then he checks with his bank and tells
>> us > the amount. If he provides the correct amount, we know he is
>> the > cardholder! >
>> > If it's a fraud, they usually don't answer. This has helped us
>> > salvage customers that we would have otherwise lost. >
>> > And we have a form letter for it, so between the two emails, we
>> > might spend 5 minutes if that. But Nigeria, we ignore! >
>> > With kind regards,
>> >
>> > Bob Bokor
>> > President
>> >
>> > www.abra4magic.com
>> > www.umsimagictricks.com
>> > ----- Original Message -----
>> > From: Tom
>> > To: Robert Bokor ; MUG
>> > Sent: Sunday, April 03, 2005 10:43 PM
>> > Subject: RE: [mru] Anyone know if Ljubljana Slovenia is a
>> high > fraud country? >
>> >
>> > Bob,
>> >
>> > All I can tell you is that I searched Google for the following
>> > words: Slovenia "credit card" "fraud"
>> >
>> > And the results are: a handful of merchants say things on the
>> > order of: "WE DON'T ACCEPT CREDIT CARD FROM THESE COUNTRIES
>> > (INTERNATIONAL MONEY ORDER ONLY - SORRY) :ARGENTINA, BRAZIL,
>> > CHILE, COLOMBIA, CROATIE, CZECH REPUBLIC, GUATEMALA, HUNGARY,
>> > INDIA, INDONESIA, KUWAIT, LATVIA, LITHUANIA, MALAYSIA, MEXICO,
>> > PANAMA, PARAGUAY, PERU, RUSSIA, SINGAPORE, SLOVENIA, SYRIA,
>> > THAILAND, TURKEY, URUGUAY, VENEZUELA"
>> >
>> > and searching Google for:
>> > Slovenia "credit card" "high risk"
>> >
>> > uncovered one that said:
>> > "High Risk Countries
>> > Be aware of the delivery address - countries like Africa,
>> > Romania, Nigeria, Indonesia, Malaysia and Slovenia are
>> notorious > for fraud. If in doubt do not ship!"
>> >
>> > So, hope this helps you make up your mind. Since you asked the
>> > question, I'd say that you have doubts. Rule of thumb for
>> > merchants is: if you have doubts, don't ship. Don't rely on
>> > others to tell you that something you *know* is wrong is
>> actually > right. Trust yourself and trust your merchant instincts.
>> > > Besides, wouldn't you be a dumb bunny if I told you
>> Slovenia is a > great place to ship to, and you ended up losing
>> thousands over my > say-so? :) Listen to your inner voice. And
>> Google. :D > > HTH
>> > Tom
>> >
>> >
>> >
>> > > -----Original Message-----
>> > > From: [email protected]
>> > > [mailto:[email protected]]On Behalf Of Robert
>> Bokor > > Sent: Sunday, April 03, 2005 4:37 PM
>> > > To: MUG
>> > > Subject: [mru] Anyone know if Ljubljana Slovenia is a high
>> fraud > > country? > >
>> > >
>> > > Anyone know if Ljubljana Slovenia is a high fraud country?
>> > > > >
>> > > Thanks,
>> > > Bob
>> > >
>> >
>> >

Anyone know if Ljubljana Slovenia is a high fraud country?



hmmm... then I'd be in a lot of trouble... I use my own credit card to
test transactions on my sites all the time. I certainly don't think one
of my customers would appreciate it if I used theirs. :-)
My merchant agreement says nothing about using my own cards. However it
is considered fraud in my agreements to issue credits on a card, when
there is no charge on it first, and the two transactions have to be
related to one another.

We've had so much trouble with the Russian satellite countries, we only
accept international money order or western union payments from them.
And we do have a couple of customers who are willing to wait for that to
take place. We also offer NO GAURANTEEs for shipping into their country.
We make is really clear, that we are only responsible for getting to
their country's customs... once it gets to their border... it's out of
our hands and its up to then to make sure they get their stuff. It
shouldn't seem ironic that countries that have a lot of internet fraud
also seem to have a lot of crooked customs agents. I suppose it's a
cultural thing.. But even for legit transactions from those risky
countries, the whole shipping game is a gamble.

Kelly

>
>I've read in the merchant agreements somewhere that your merchant account can be terminated if you process your own credit card--charges or credits.
>
>Amanda
>
>----- Original Message -----
> From: Wendy Estes
> To: 'Sean Harrell' ; [email protected]
> Sent: Sunday, April 03, 2005 11:49 PM
> Subject: RE: [mru] Anyone know if Ljubljana Slovenia is a high fraud country?
>
>
> Hi Sean,
>
> There are many ways a merchant can gain from it, which I won't go into here
> for obvious reasons. One thing that is obvious is merchant's have
> employee's who can rip them off.
>
> Check out www.merchant911.org , you'll be surprised what you will learn!
> Criminals works both sides of the fence, with stolen cards and merchant
> accounts.
>
> Wendy
>
> Sean Harrell typed:
>
> > How can the merchant be stealing from the card processor when all
> > credits are drawn against the merchant's bank account that is linked
> > to the merchant account?
> >
> > I can see where individuals may try to use this to steal from the
> > merchant and credit their personal cards, but I can't really see how
> > the merchant gains from this.
> >
> > Sean
> >
> > On 4 Apr 2005 at 0:29, Wendy Estes wrote:
> >
> >> From: Wendy <mailto:[email protected]> Estes
> >> To: 'Robert Bokor' <mailto:[email protected]>
> >> Sent: Monday, April 04, 2005 12:24 AM
> >> Subject: RE: [mru] Anyone know if Ljubljana Slovenia is a high fraud
> >> country?
> >>
> >> Because it could appear that you are testing the cards to commit
> >> fraud yourself....i.e. crediting a card that wasn't used to make a
> >> purchase is an easy way for merchants to steal from the card
> >> processors.
> >>
> >> HTH
> >> Wendy
> >>
> >> _____
> >>
> >> From: Robert Bokor [mailto:[email protected]]
> >> Sent: Monday, April 04, 2005 12:20 AM
> >> To: Wendy Estes
> >> Cc: MIVA MERCHANT GROU
> >> Subject: Re: [mru] Anyone know if Ljubljana Slovenia is a high fraud
> >> country?
> >>
> >>
> >> OOPS - I didn't know that! But we only do it 2 or 3x per month.
> >>
> >> Don't the processors want you to prevent fraud? What's the reason
> >> for this?
> >>
> >> Bob
> >>
> >> ----- Original Message -----
> >> From: Wendy <mailto:[email protected]> Estes
> >> To: 'Tom' <mailto:[email protected]> ; 'Robert Bokor'
> >> <mailto:[email protected]> Cc: 'MIVA MERCHANT GROU'
> >> <mailto:[email protected]>
> >> Sent: Sunday, April 03, 2005 11:14 PM
> >> Subject: RE: [mru] Anyone know if Ljubljana Slovenia is a high fraud
> >> country?
> >>
> >> A word of caution using that method:
> >>
> >> It is against MC & Visa regulations to credit someones card without a
> >> corresponding charge. Card Service International, for example, will
> >> pull your Merchant Account if it happens too much.
> >> I had CSI call me once and read me the riot act for it -- the girl
> >> on the phone said "I better not see this happen again". (Even if
> >> you put through the corresponding charge -- if the credit happens
> >> first, it's a NO- NO).
> >>
> >> My .02 cents!
> >>
> >> Wendy Estes
> >> www.digitecoptical.com
> >>
> >>
> >> Tom typed:
> >>
> >>> Bob,
> >>>
> >>> Very creative test! I remember now that PayPal uses that same method
> >>> to verify cardholders. I'll have to remember that trick.
> >>>
> >>> "Hey, Rocky. Watch me pull a rabbit outta my hat!"
> >>> "Again?"
> >>> "Nothin' up my sleeve. Presto!"
> >>> *** ROARRRR! ***
> >>> "Musta got the wrong hat."
> >>>
> >>> HTH
> >>> Tom
> >>>
> >>>
> >>>
> >>> -----Original Message-----
> >>> From: Robert Bokor [mailto:[email protected]]
> >>> Sent: Sunday, April 03, 2005 9:53 PM
> >>> To: Tom
> >>> Cc: MIVA MERCHANT GROU
> >>> Subject: Re: [mru] Anyone know if Ljubljana Slovenia is a high
> >>> fraud country?
> >>>
> >>>
> >>> Tom,
> >>>
> >>> Thanks for your help.
> >>>
> >>> What I do when I know the country is high fraud (now I know
> >>> Slovenia is one of them), we ask the customer if we can credit a
> >>> small amount to his card. Then he checks with his bank and tells us
> >>> the amount. If he provides the correct amount, we know he is the
> >>> cardholder!
> >>>
> >>> If it's a fraud, they usually don't answer. This has helped us
> >>> salvage customers that we would have otherwise lost.
> >>>
> >>> And we have a form letter for it, so between the two emails, we
> >>> might spend 5 minutes if that. But Nigeria, we ignore!
> >>>
> >>> With kind regards,
> >>>
> >>> Bob Bokor
> >>> President
> >>>
> >>> www.abra4magic.com
> >>> www.umsimagictricks.com
> >>> ----- Original Message -----
> >>> From: Tom
> >>> To: Robert Bokor ; MUG
> >>> Sent: Sunday, April 03, 2005 10:43 PM
> >>> Subject: RE: [mru] Anyone know if Ljubljana Slovenia is a high
> >>> fraud country?
> >>>
> >>>
> >>> Bob,
> >>>
> >>> All I can tell you is that I searched Google for the following
> >>> words: Slovenia "credit card" "fraud"
> >>>
> >>> And the results are: a handful of merchants say things on the
> >>> order of: "WE DON'T ACCEPT CREDIT CARD FROM THESE COUNTRIES
> >>> (INTERNATIONAL MONEY ORDER ONLY - SORRY) :ARGENTINA, BRAZIL,
> >>> CHILE, COLOMBIA, CROATIE, CZECH REPUBLIC, GUATEMALA, HUNGARY,
> >>> INDIA, INDONESIA, KUWAIT, LATVIA, LITHUANIA, MALAYSIA, MEXICO,
> >>> PANAMA, PARAGUAY, PERU, RUSSIA, SINGAPORE, SLOVENIA, SYRIA,
> >>> THAILAND, TURKEY, URUGUAY, VENEZUELA"
> >>>
> >>> and searching Google for:
> >>> Slovenia "credit card" "high risk"
> >>>
> >>> uncovered one that said:
> >>> "High Risk Countries
> >>> Be aware of the delivery address - countries like Africa,
> >>> Romania, Nigeria, Indonesia, Malaysia and Slovenia are notorious
> >>> for fraud. If in doubt do not ship!"
> >>>
> >>> So, hope this helps you make up your mind. Since you asked the
> >>> question, I'd say that you have doubts. Rule of thumb for
> >>> merchants is: if you have doubts, don't ship. Don't rely on
> >>> others to tell you that something you *know* is wrong is
> >>> actually right. Trust yourself and trust your merchant instincts.
> >>>
> >>> Besides, wouldn't you be a dumb bunny if I told you Slovenia is
> >>> a great place to ship to, and you ended up losing thousands
> >>> over my say-so? :) Listen to your inner voice. And Google. :D
> >>>
> >>> HTH
> >>> Tom
> >>>
> >>>
> >>>
> >>> > -----Original Message-----
> >>> > From: [email protected]
> >>> > [mailto:[email protected]]On Behalf Of Robert
> >>> Bokor > Sent: Sunday, April 03, 2005 4:37 PM
> >>> > To: MUG
> >>> > Subject: [mru] Anyone know if Ljubljana Slovenia is a high
> >>> fraud > country? >
> >>> >
> >>> > Anyone know if Ljubljana Slovenia is a high fraud country?
> >>> > >
> >>> > Thanks,
> >>> > Bob
> >>> >
> >>>
> >>>