Anyone know if Ljubljana Slovenia is a high fraud country?

------=_NextPart_000_0047_01C53873.CA65F080
Content-Type: text/plain;
charset="Windows-1252"
Content-Transfer-Encoding: quoted-printable

Anyone know if Ljubljana Slovenia is a high fraud country?


Thanks,
Bob

------=_NextPart_000_0047_01C53873.CA65F080--

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?



------=_NextPart_000_00C3_01C5389F.D46E96A0
Content-Type: text/plain;
charset="Windows-1252"
Content-Transfer-Encoding: quoted-printable

Tom,=20

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 -----=20
From: Tom=20
To: Robert Bokor ; MUG=20
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?



------=_NextPart_000_0028_01C53899.9C488FC0
Content-Type: text/plain;
charset="Windows-1252"
Content-Transfer-Encoding: 7bit

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?



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?



Can't you charge a nominal amount then immediately credit it back?

Julie

Wendy Estes wrote:

> 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?



You could -- but the whole point of it is that when the credit comes through
the customer has to tell you what the amount is -- credits can take a couple
of days to show up!

If you put through small credits regularly, it *could* appear that you are
testing the cards yourself!

Wendy Estes
www.digitecoptical.com

Julie Thompson typed:

> Can't you charge a nominal amount then immediately credit it back?
>
> Julie
>
> Wendy Estes wrote:
>
>> A word of caution using that method:
>>
>> It is against MC & Visa regulations to credit someone's 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?



------=_NextPart_000_0048_01C538AC.0DCE9560
Content-Type: text/plain;
charset="iso-8859-1"
Content-Transfer-Encoding: quoted-printable

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 -----=20
From: Wendy Estes=20
To: 'Tom' ; 'Robert Bokor'=20
Cc: 'MIVA MERCHANT GROU'=20
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,
>=20
> Very creative test! I remember now that PayPal uses that same method
> to verify cardholders. I'll have to remember that trick.=20
>=20
> "Hey, Rocky. Watch me pull a rabbit outta my hat!"
> "Again?"
> "Nothin' up my sleeve. Presto!"
> *** ROARRRR! ***
> "Musta got the wrong hat."
>=20
> HTH
> Tom
>=20
>=20
>=20
> -----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?=20
>=20
>=20
> Tom,
>=20
> Thanks for your help.
>=20
> 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! =20
>=20
> If it's a fraud, they usually don't answer. This has helped us
> salvage customers that we would have otherwise lost.=20
>=20
> And we have a form letter for it, so between the two emails, we
> might spend 5 minutes if that. But Nigeria, we ignore!=20
>=20
> With kind regards,
>=20
> Bob Bokor
> President
>=20
> 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?=20
>=20
>=20
> Bob,
>=20
> All I can tell you is that I searched Google for the following
> words: Slovenia "credit card" "fraud"
>=20
> 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"=20
>=20
> and searching Google for:
> Slovenia "credit card" "high risk"
>=20
> 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!"
>=20
> 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.=20
>=20
> 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
>=20
> HTH
> Tom
>=20
>=20
>=20
> > -----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
> >
>=20
>=20

Anyone know if Ljubljana Slovenia is a high fraud country?



------=_NextPart_000_000D_01C538AD.3C8E8D00
Content-Type: text/plain;
charset="us-ascii"
Content-Transfer-Encoding: 7bit

because it could look like you are testing the card to commit fraud.
crediting a card that wasn't charged is an easy way for merchant's to steal
money. they look for the kind of activity.

*consumers* are not the only ones using stolen credit cards.

i was looking at a website recently of a credit card processor, i forget
which one, and right on the front page they had their "most wanted merchant"
who stole millions from them.

Wendy Estes

_____

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
> >
>
>

Anyone know if Ljubljana Slovenia is a high fraud country?



------=_NextPart_000_0014_01C538AD.678BF3D0
Content-Type: text/plain;
charset="us-ascii"
Content-Transfer-Encoding: 7bit

umm, you could credit your own card? or someone you know?

Wendy

_____

From: Robert Bokor [mailto:[email protected]]
Sent: Monday, April 04, 2005 12:25 AM
To: Wendy Estes
Subject: Re: [mru] Anyone know if Ljubljana Slovenia is a high fraud
country?


How would that help in commiting fraud?

Bob

----- Original Message -----
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
> >
>
>

Anyone know if Ljubljana Slovenia is a high fraud country?



I prolly shouldn't be saying that on a public list! LOL!
Don't want anyone to get any bright ideas! (giggle)

Wendy

Wendy Estes typed:

> umm, you could credit your own card? or someone you know?
>
> Wendy
>
> _____
>
> From: Robert Bokor [mailto:[email protected]]
> Sent: Monday, April 04, 2005 12:25 AM
> To: Wendy Estes
> Subject: Re: [mru] Anyone know if Ljubljana Slovenia is a high fraud
> country?
>
>
> How would that help in commiting fraud?
>
> Bob
>
> ----- Original Message -----
> 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
>> >
>>
>>

Anyone know if Ljubljana Slovenia is a high fraud country?



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
> > >
> >
> >

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
>>> >
>>>
>>>

Anyone know if Ljubljana Slovenia is a high fraud country?



------=_NextPart_000_006C_01C538BC.34B4FA10
Content-Type: text/plain;
charset="iso-8859-1"
Content-Transfer-Encoding: quoted-printable

When I've signed up for services, they first charge the card for 2 =
nominal amounts, totaling less than $1, then they credit them back. =
There shouldn't be a problem with that. I could understand how =
crediting a card when there is no charge associated with it would be =
considered against the rules.

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 -----=20
From: Wendy Estes=20
To: 'Sean Harrell' ; [email protected]=20
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? =20
>=20
> 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. =20
>=20
> Sean
>=20
> On 4 Apr 2005 at 0:29, Wendy Estes wrote:
>=20
>> 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?=20
>>=20
>> 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.=20
>>=20
>> HTH
>> Wendy
>>=20
>> _____
>>=20
>> 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?=20
>>=20
>>=20
>> OOPS - I didn't know that! But we only do it 2 or 3x per month.
>>=20
>> Don't the processors want you to prevent fraud? What's the reason
>> for this?=20
>>=20
>> Bob
>>=20
>> ----- 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]>=20
>> Sent: Sunday, April 03, 2005 11:14 PM
>> Subject: RE: [mru] Anyone know if Ljubljana Slovenia is a high =
fraud
>> country?=20
>>=20
>> A word of caution using that method:
>>=20
>> 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).=20
>>=20
>> My .02 cents!
>>=20
>> Wendy Estes
>> www.digitecoptical.com
>>=20
>>=20
>> Tom typed:
>>=20
>>> Bob,
>>>=20
>>> Very creative test! I remember now that PayPal uses that same =
method
>>> to verify cardholders. I'll have to remember that trick.
>>>=20
>>> "Hey, Rocky. Watch me pull a rabbit outta my hat!"
>>> "Again?"
>>> "Nothin' up my sleeve. Presto!"
>>> *** ROARRRR! ***
>>> "Musta got the wrong hat."
>>>=20
>>> HTH
>>> Tom
>>>=20
>>>=20
>>>=20
>>> -----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?=20
>>>=20
>>>=20
>>> Tom,
>>>=20
>>> Thanks for your help.
>>>=20
>>> 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!=20
>>>=20
>>> If it's a fraud, they usually don't answer. This has helped us
>>> salvage customers that we would have otherwise lost.
>>>=20
>>> And we have a form letter for it, so between the two emails, we
>>> might spend 5 minutes if that. But Nigeria, we ignore!
>>>=20
>>> With kind regards,
>>>=20
>>> Bob Bokor
>>> President
>>>=20
>>> 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?=20
>>>=20
>>>=20
>>> Bob,
>>>=20
>>> All I can tell you is that I searched Google for the following
>>> words: Slovenia "credit card" "fraud"
>>>=20
>>> 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"
>>>=20
>>> and searching Google for:
>>> Slovenia "credit card" "high risk"
>>>=20
>>> 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!"
>>>=20
>>> 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.
>>>=20
>>> 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
>>>=20
>>> HTH
>>> Tom
>>>=20
>>>=20
>>>=20
>>> > -----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
>>> >
>>>=20
>>>=20

Anyone know if Ljubljana Slovenia is a high fraud country?



--------------090709070009010901030200
Content-Type: text/plain; charset=ISO-8859-1; format=flowed
Content-Transfer-Encoding: 7bit

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
> > >
> >
> >