[spazlabz]

Originally posted by BigJohn
You make some good points but over the last 2 weeks, 6 out of 6 checks were fradulent, not NSF, but totally bogus. Funky names like "Eye Gotu", "Frefor Mee", etc and/or totally bogus addresses with zips that don't match the states or states that don't match the city, etc.

I do a lot of programming work in retail for several Jewelry chains, right now I just happen to be working on credit card processing. Retail (from a visa/mastercard point of view) do "merchandise around thieves". I use to be able to implement a new credit card processor in 2 days, now with all of the checks and balances put into the data stream it takes me over a month! I've also implemented check authorization and it only takes me a day to write the code and certify with a new processor. There's a world of difference here!

Would I only use MC if I got excessive chargebacks from VISA? If the chargebacks were because VISA was letting through fraudulent, bogus charges, then yes I would. If I felt the check chargebacks had anything to do with the quality of my site I would fix my site. I can't battle with fake checks and I have no control over whether a check gets accepted or not.

Plus with every one of the fraudluent checks, the usernames and passwords were posted. Pennywize shut them down, but not before 6 or 7 people for each username sucked down a good portion of my site. I plan to talk to CCBill and to look around for other options, but for now, the best business decision I could make is to remove the check link. I can always add it back in a matter of minutes if I change my mind.

|ufo|

Sentry Password Control is the program we have been using for a few years. You set the number of IPs that can be connected to any username/password and it if goes over that number then they are automatically locked out. We give second chances. Let them know why they were locked and assign them a password that WE CREATE, usually with the initials of the person who created it in it (example..02jw4498) if it happens again we cancell their account. Picture sites dont face quite the challenge all of our sites do (high quality huge file mpgs) as far as BW goes, and a good site ripper can pull huge amounts of content off of les secure servers. Our tech guys have also made it so no one single user can be downloading more than 3 files at any given time. At that rate it takes a bit longer to clean out one of our sites and it foils many less advanced site rippers.


spaz