Gillf
30-07-2009, 12:14
Hi,
Our fraud level is very low I am pleased to say. But this morning there was an interesting event which I thought I would share.... instinct tells me it was an attempted fraud, but I might be being biased by certain factors.... see what you think:
Telephone call from someone with strong African accent. They said they were trying to place an order but the card kept being declined. I explained that we don't decline it - it is the card issuer. I checked the Worldpay system and there were two declines on a debit card with shopper IP: Germany. Card holder: IP Nigeria. Address: Nigeria. Order value £265. There was a "warning" but no fraud alert simply the refusal.
Now I consider the Worldpay alert system to be not much better than a chocolate teapot... it regulary gives warnings on customers I know to be perfectly sound... something as simple as the card IP address being different to the shopper address will trigger that warning (which was the case in this situation).
I asked the shopper where they were and they confirmed Germany and said they worked for a Nigerian Airline and mentioned that they would be in Manchester soon and would like to have the goods sent there. They offered to pay by bank transfer.
Knowing that the Worldpay alert gives warnings when customers are sound meant I was thrown back on my own instinct. Although it is possible I was talking to an airline employee, all my alarms bells rang and I referred them back to the card issuing bank to find out why they were being declined.
Was I wrong? Was I influenced by the fact that this person was Nigerian? We all know about Nigerian scams etc. What would you have done?
Bye for now
Gill
Our fraud level is very low I am pleased to say. But this morning there was an interesting event which I thought I would share.... instinct tells me it was an attempted fraud, but I might be being biased by certain factors.... see what you think:
Telephone call from someone with strong African accent. They said they were trying to place an order but the card kept being declined. I explained that we don't decline it - it is the card issuer. I checked the Worldpay system and there were two declines on a debit card with shopper IP: Germany. Card holder: IP Nigeria. Address: Nigeria. Order value £265. There was a "warning" but no fraud alert simply the refusal.
Now I consider the Worldpay alert system to be not much better than a chocolate teapot... it regulary gives warnings on customers I know to be perfectly sound... something as simple as the card IP address being different to the shopper address will trigger that warning (which was the case in this situation).
I asked the shopper where they were and they confirmed Germany and said they worked for a Nigerian Airline and mentioned that they would be in Manchester soon and would like to have the goods sent there. They offered to pay by bank transfer.
Knowing that the Worldpay alert gives warnings when customers are sound meant I was thrown back on my own instinct. Although it is possible I was talking to an airline employee, all my alarms bells rang and I referred them back to the card issuing bank to find out why they were being declined.
Was I wrong? Was I influenced by the fact that this person was Nigerian? We all know about Nigerian scams etc. What would you have done?
Bye for now
Gill