from which countries do you get frauds & chargebacks the most?
 

here my list of "bad" countries when it comes to frauds and charge backs:
Belarus
Estonia
Ghana
Hungary
Indonesia
Latvia
Lithuania
Macedonia
Malaysia
Nigeria
Philippines
Romania
Russia
Singapore
Slovak Republic
Thailand
Uganda
Ukraine
Yugoslavia
Cuba
Iran
Iraq
Libya
North Korea
Sudan

Yugoslavia? Seriously?

I hear the Soviet Union is a nice place.

well, it's an old list....

slovak republic and hungary out :winkwink:

Yugoslavia don't exist since 1991. So this list has to be really old list...

once a country is in the records, no one cared to take it out.
and yes, the list is old and is from like before the internet or something...

North Korea :1orglaugh:1orglaugh:1orglaugh

Are you fucking trolling or what? What kind of business are you doing in those countries to get fraud and chargebacks? Selling drugs or nuclear arms or human trafficking or what? You can't fucking process cards from those countries with any bank that I know of, some are under strict nato embargo, others are just fucking... why?

Block them.
BW/Computing is expensive :)

I`m more interested in knowing what paysites were open for business 23 years ago.

Hello Sexsami

How did you come about compiling this list of "yours"? There are countries listed which no longer exist by their former names, and others where very few to no payment transactions even exist for a merchant in the adult industry.

Sabrina F.

:mad::mad::mad: what fuck!

Years ago we got hit with a lot of CBs from Germany (through Verotel). They informed us of a dozen or two...they had stockpiled them and never told us until the amount got upwards of $4-500 bucks. We accused Verotel of not being vigilante at the time and it took us awhile to pay down the sudden onslaught of chargebacks. It was the first red flag I raised against Verotel at the time...followed by more in subsequent years.

How can you tell where its coming from? Most of them use proxies and unless its something obvious like [email protected] or they use real IP in members area no way of knowing where scumbag is from.

France used to be cunt for chargebacks for me.

Nigeria, pakistan, bangladesh

Yes they use proxies always if doing fraud. They will always show as US, CA, UK. Instead, guys showing IP from "bad country" are normally the legitimate guys. I have a good customer from Congo he spent thousands and never chargebacked.

North Korea really?
You can ask 3rd part processors, to turn up the scrub, or if you use a gateway like net billing you can increase and or block high CB locations.. In netbilling you can also see your CHB ratio by GEO..
I'm going to assume that you need to update your GEO Tables as they seem to be last updated in the 80's... Maxmind can help you with that.

US of A.

Worst offender by a long way.

Stolen card details nearly always from American cards as their banks & CC companies are SHIT. However, my chargebacks are low as I usually void the dodgy ones.

Easy to tell if you're vigilant, but some bastards always creep through and they are usually the same ones too :(

I guess they have a list of stolen CC details?

Out of any genuine chargebacks or refunds, I would probably say Germany is the worst country overall, tight bastards - usually the cheapass ones using debit options.

I get my hosting providor to block obviously bad countries/traffic I have no interest in like Russia, Ukraine, China, India and Vietnam (was a fave for proxies) - let them use proxies than download easier and quicker on their own networks. Fuck em

Maxmind now detects proxies
https://www.maxmind.com/en/proxy
and anon ip
https://www.maxmind.com/en/geoip2-anonymous-ip-database

watts and Long Beach USA

before the internet? So not chargebacks for online sites? :1orglaugh :error

We don't usually have many, the couple that we've had have been from US & UK, probably someone being a pain in the ass & not a theft of a card or something? :2 cents:

Yugoslavia LOL... what about East Germany?

you list need some updates :)

Maxmind has some great products :thumbsup

It's well worth it to invest a bit into some fraud protection tools..

I'm working on a product where I recently reduced the chargeback % from about 5% to less than 1% without having to decline any transactions :pimp

No, you need to make sales to get chargebacks. I've seen your figures. You've nothing to worry about.

what country? Florida

Chargeback can be from any country its hard to say for specific country. IRAN, IRAQ and all middle east use proxy to access site. if you wont take their signup bcz of proxy you should ban them completely in your biller. Nigeria are always fraud

But is this based on purely the number or as a percentage based on the volume?
North American joins are of course higher than most other countries as we all know (lots of variables of course but just looking simply at size/population/economy and card spend per individual) so if your numbers are reflected purely on total sales, of course they should be higher but not necessarily the worst offender.

I no longer run pay based sites but the U.S was never the highest in terms of chargebacks/disputes.

Interesting to know how you would have seen sales to our arsewithclass website, just another lie, hey weasel :error

I got lots of fraud from the Roman Empire! They send me fake stones.

Im interested how you get traffic from North Korea :_D

Yes we have a list of defaults but yo can Taylor your fraud scrubbing how it suits you in our system.

Mitch

For one thing the 1st 6 digits of the card # are called the "BIN #" and based on those 6 digits you can tell what brand, bank, country and type of card it is. A lot of that info does change frequently so not too many databases are going to be 100% accurate, like geo-IP there is plenty of out of date info but you can get within 97% accuracy with a recent database.

One place I always check is here: https://www.exactbins.com/bin-lookup

Even if you don't know where the card came from the processing company you use usually does and they can tell for example if a US card is being used from Egypt or some situation like that where the likelihood of a travelling masturbator is slight but the likelihood of fraud is high. If you have one affiliate with a large number of geo-IP mismatches like that then most likely you will have some grief with those transactions down the road.

For another thing most proxy IP addresses will be listed in whois as corporate, static IP's and be registered to hosting companies. Many will also be listed as forum and email spam sources.

Most real customers on the other hand will use consumer broadband. Once you are more or less familiar with the countries your joins come from you will know who the broadband providers are and the IP ranges they use. And once you are more familiar with carders you will know the IP ranges of the more common VPN's they use.

One thing that makes it tough to catch is if the carders are using a botnet or some malware or zombified PC's to do their carding, cause that makes it look like the join is coming from a residence. They usually have a good selection of infected PC's and can match the geo IP to the billing address, assuming they have that data.

A good way to bust those guys is to export a list of all your affiliate login IP's and compare it to the IP's you have join activity on. If you get a match, you probably know more than you wanted to know about your (hopefully fired) affiliate. This is particularly true for me since most of my affiliates do not live in countries I accept joins from. So if an IP is used by an affiliate of mine, there should be no join activity on that IP, unless customers are logging into nats to check stats for some reason, which is a pretty ludicrous scenario.

I run my daily join activity against a list of over 13,000 fraud IP's I've compiled and take a look at anything suspicious to see if the list needs to grow.

I also pay close attention to decline codes, some of them will tell you a lot. For example, there are codes for "stolen card" and if you get that decline code on an initial signup attempt it's pretty likely the person signing up does not own the card. Most of us aren't going to report our credit cards stolen and then go try to buy porn with it. Usually the other way around.

There's a lot of other stuff but, as always not a good idea to give too many details in public, no reason to help the carders improve their game.

Excellent John - and you know our system does bin checking for you as well, right?

Mitch

Germany....

Yes Netbilling has a real good BIN database for knowing where the card came from and applying fraud scrub accordingly. - I would be lost without it.

I wish I could query it without submitting the actual transaction on the actual card but that's not what Netbilling is for so I guess you can't have everything lol.