Quote:
Originally Posted by Barry-xlovecam
He said billing and not re-billing ... You are assuming re-billing ...
For re-billing that would be true.
We are a PCI-DSS compliant website and we only require 3ds on a customer's first purchase usually.
So which is it ; billing or subscription re-billing OP?
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Well since OP is gone for awhile I will just assume
My assumption is he is talking about initial membership sales which will then rebill. And from my experience, initial sales charging back are not the problem on membership sites. It is the rebills that become problematic, but it is the rebills that make the profit.
I also don't rely on fraud prevention from the gateway any more... I scrub everything on the front end using a combination of negative database and maxmind.com. So I can see with relative ease fraud in real time. And I can save myself a boat load of cash by not allowing people to TRY and join because they never make it to the gateway.
It's actually quite an awesome system we have developed the past 6 months. Still getting developed but it is in BETA and live sales are going through it. So for me, the toss up is how many customers will NOT join because all this additional verification stuff. And it is certainly an additional inconvenience for people.
Cams... I have seen 10+ chargebacks from one person who purchases small blocks of tokens all in 1 day. So that is entirely a different strategy to protect yourself and verification is definitely a solution to protect yourself.
Personally I would allow person to purchase tokens twice in one day using regular forms, then on the third purchase require a min. purchase ($200 or something), using 3d method. That's just me though.