> Regarding his fraud issue, I found that my website was being used in the same way when I added a credit card payment form. I implemented a system that first does an "Auth". If that passes, then I pass details to MaxMind and get back a response with a "riskScore". If the score is too high, I void the auth and decline the transaction. This has saved me a lot of chargeback fees, though it's still not perfect. I prefer PayPal because a "not authorized" just reverses the transaction; there is no chargeback fee.
- Osiris (HN user)
IMO, there's more worth reading in that subthread. It's an interesting topic, at least to me. I feel sympathy for any merchant that has to go through this kind of pain.
> Regarding his fraud issue, I found that my website was being used in the same way when I added a credit card payment form. I implemented a system that first does an "Auth". If that passes, then I pass details to MaxMind and get back a response with a "riskScore". If the score is too high, I void the auth and decline the transaction. This has saved me a lot of chargeback fees, though it's still not perfect. I prefer PayPal because a "not authorized" just reverses the transaction; there is no chargeback fee.
- Osiris (HN user)
IMO, there's more worth reading in that subthread. It's an interesting topic, at least to me. I feel sympathy for any merchant that has to go through this kind of pain.