Authorize.net?

[haxman04596]

[zune818]

With authorize.net, you are responsible for fraud checks. They only provide the network, you provide the fraud checking.

[zune818]

[haxman04596]

Hi Pronet,

The authorize.net gateway includes an address verification process, which essentially acts as your first line of defense.

There's also several other "filters" you can enable to increase the security level. The tighter the filter, the more manual verifications you'll need to do in order to avoid fraud. Nothing is foolproof, but if you use their filters properly, use some common sense and diligently follow up on suspected fraud, you should be able to avoid it.

[zune818]

Yes that is one bad thing that you're responsible for your fraudulent signups... not good, but still its cheaper then PayPal.

[flki758]

Yes, it is tough for merchants, they carry the sole burden for fraud (or their insurance company if they have it)

and yes, in the longrun, transactional costs are alot less with a merchant account vs a 3rd party payment processor.

[haxman04596]

You could also look into FraudGuardian http://www.fraudguardian.com and since ModernGigbyte created it (Modernbill) it integrates nice with MB.

We use it, and its very well worth the low cost.

[zune818]

FraudGuardian is definitely one option. Authorize.Net provides both AVS and CVV2 as built-in fraud control features. In addition, their FraudScreen service can be very useful especially for higher risk merchants.

[flki758]

Keep in mind that the fraudguardian and fraudscreen services cost extra. They are certainly worth it, just didn't want to confuse the issue of whether they were automatically provided with an authnet account.

[haxman04596]

Authorize.net is just a gateway. Overall I think its a good one. You do have to be selective with which merchant provider you choose, it can make all the difference.