| Merchants who accept credit card-not-present | | | | authorities and shut down. |
| transactions are at a higher risk of receiving a | | | | International Shipping |
| fraudulent sale than a card present merchant. Criminals | | | | International orders are a big red flag because AVS |
| do not have to identify themselves or physically | | | | cannot validate addresses outside of the United |
| present a credit card to be swiped. Online purchases, | | | | States. Canada and the United Kingdom are an |
| phone orders, and catalog sales are examples of | | | | exception. |
| when a credit or debit card would be keyed-in, not | | | | Unusual Shipping |
| swiped. These card-not-present merchants must take | | | | Be on the look out for transactions placed on multiple |
| special precautions to ensure they will not be the next | | | | cards with one shipping address. Or, multiple shipping |
| victims of credit card fraud. Here are some things to | | | | addresses for transactions placed on one card. |
| look for when accepting card-not-present (CNP) | | | | Unusual shipping could indicate a ring of counterfeit |
| transactions. | | | | activity. |
| First Time Shopper | | | | Similar Account Numbers |
| Ecommerce merchants, phone order merchants, and | | | | Criminals can create counterfeit credit cards using |
| catalog sales merchants should always be wary of | | | | illegal software. Many times these programs create |
| first time customers. Criminals are always looking for | | | | account numbers that are closely related. Take the |
| new victims to scam. Ensure that you are using the | | | | time to look closely at account numbers and note |
| AVS, or address verification system, and the card | | | | similarities. |
| security code (CVV2) to reduce your chances of | | | | Single IP Address |
| getting stiffed. | | | | If you receive transactions from multiple cards from a |
| Unusual Orders | | | | single IP (Internet Protocol) address, take a closer look. |
| If you receive an order that is larger than normal, or an | | | | Criminals with stolen or counterfeit credit cards will |
| order that includes a lot of the same item: be | | | | often "run" them through the same computer. |
| suspicious. Using the same card for multiple orders in a | | | | Free Email Accounts |
| short amount of time should also cause an alert. | | | | Fraudsters utilize free email accounts to use in the |
| Criminals succeed at credit card fraud by ordering big | | | | check out process because there are no records or |
| and fast before a card can be shut down. Criminals | | | | audit trails leading back to their identity. There is no |
| also intend to re-sale their stolen goods. The bigger | | | | billing relationship or verification of the person who has |
| inventory they have, the better chances they have on | | | | opened the email account. |
| the street. | | | | Card-not-present fraud is popular among credit card |
| Big Ticket Items | | | | criminals because their identity is anonymous and they |
| Criminals love to use stolen or counterfeit credit cards | | | | do not physically have to present a credit card to be |
| to obtain big-ticket items. Big- ticket items will have the | | | | swiped. The best things a CNP merchant can do to |
| largest resale value and make them the most profit. | | | | protect themselves is be aware of suspicious orders, |
| Rushed Orders | | | | utilize the AVS, and always ask for the CVV2 security |
| Any time a customer requests "rushed" or overnight | | | | code. If you are in doubt, you can always ask for an |
| delivery take notice. Criminals need to have their stolen | | | | alternative payment. |
| goods delivered fast before the card is alerted to | | | | |