Lucky

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Since the customer is usually required to enter their personal details, such as:

  • First Name
  • Last Name
  • Address
  • City
  • State/province
  • Country
  • ZIP/postal code
  • Telephone number
  • Card type
  • Card number
  • Customer's bank account (usually asked on Paypal, GoogleCheckout, YahooWallet when there's a fraud detection)
  • Start Date (not common)
  • Expired Date
  • CVV/CVV2
  • Card holder name

Then, he/she might be thinking that this part is important to be really safe.

Yes, to make customer feels safe while doing online transaction using credit card, the merchant has to provide a secure connection between the payment gateway to the merchant's acquiring bank.

This is to make sure that the data will not be intercepted by illegal guy on its way. On merchants (webshops) which are using theirs own payment gateway, usually the site use SSL (Secure Socket Layer) 128 bits, in an HTTPS site format.

On the other hand, most of merchants are not using HTTPS for theirs website, but third-party payment gateway will do this for processing the transaction later.

Due to high volume of online credit card fraud transaction recently, many merchants start to aware about this. They do such procedures to avoid charge-back from the bank.

These are all things that merchant/webshop administrator will (usually) do to prevent credit card fraud:

◾️Call the buyer based on cardholder's phone number filled
◾️Check the buyer's phone number with YellowPages/phone directory book
◾️Confront cardholder's real location againts buyer's IP address using GeoIP location tool
◾️If the shipping address differs with the billing address, then it might be suspicious order
◾️Shipping item to PO BOX usually not accepted by most merchant/webshop
◾️Order shipped to African, East Europe, Russia, and several Asia countries usually need to be confirmed via phone
◾️Order items in large volume sometimes be flagged as a high risk fraud
◾️Order items with urgency shipping time sometimes be flagged as a high risk fraud
etc..

While the payment processor gateway usually do check frequently count of the card being charged at the same payment processor gateway.

The result will then be used to make a decision whether the transaction is going to be approved or declined.

I think that's a little thing about credit card payment processing and its security.

WHAT IS AN INTEGRATED PAYMENT SYSTEM
View hidden content is available for registered users!

AMAZON PAY

Payments accepted

• Visa
• MasterCard
• American Express
• Visa Electron
• Delta
• Maestro

Amazon pay is a service that allows you to use the payment methods already associated with your Amazon account to make payments for goods, services and donations on third-party websites and apps.

It is easy to use and uses any of the payment methods on file in your Amazon account.

SECURITY

Using a trusted brand such as Amazon pay puts potential shoppers as ease as Amazon already have a good reputation with customer experience and satisfaction.

Offering great services already, Amazon is an attractive solution to choosing a payment integration system. As a user, you do not have to enter any sensitive card information on the site and Amazon does not share password or payment information with third-party ecommerce merchants.

A big bonus is that most purchases made with Amazon pay are covered by Amazon’s A-Z Guarantee, which covers both the timely and delivery of the condition of an order that was places online.

Guys... We'll start from basics to advanced... please learn the payment system and gateways!!!

Carding is not a fraud, it's an Art!
 
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