Credit card fraud can be a concern for anyone who accepts credit card payments, either in a brick-and-mortar retail setting or when selling products and services online.

Credit card processing typically uses both Credit Card Verification Value (CVV) and Address Verification System (AVS) to help prevent credit card fraud. The CVV is a three- or four-digit code on the card that indicates the user has physical access to the card. The AVS verifies that the billing address given by the buyer matches the card account holder's address. Mismatches in either CVV or AVS could indicate fraud.

This blog article addresses important issues regarding AVS and CVV and offers some tips on avoiding credit card fraud, especially with respect to online transactions. We also offer some specific details about the Site Builder (aka "Cool Tools") shopping cart e-commerce system that is available through our website hosting service.

You will find some excellent advice in all the linked articles near the end of this post, but the quote below is quite telling:

"Always use AVS and CVV/CV2/CVC (Card Verification) on every transaction you process. This will at the very least guarantee that the card holder has the card, and it is being billed to an address registered to the card.

If possible, check each order that is processed through your website. If you come across a suspicious order, call the customer to verify who they are. If the order is extremely large or talking to them is unconvincing, request them to fax a copy of their drivers license to you, and a signed invoice. These may be a small inconvenience to some of your customers, but the cost of fraud to your business is far greater than not taking the extra steps. Most customers are happy to verify information with you, as preventing fraud is a concern of theirs as well.

Also if you can, require a signature with every package that you ship. A signature is the only way to prove proof of delivery."

Be sure there's a good explanation if the address on the credit card does not match the purchaser's address. And be particularly wary of foreign orders, especially those from Nigeria, anywhere in Africa, Indonesia, and the Philippines.

If you suspect credit card fraud, immediately contact your credit card company/merchant account gateway company for advice, and be sure to keep detailed records of all transactions and communications with the buyer and any potential victims of stolen identity.

If you use our "Cool Tools" shopping cart systems with a merchant account, your shopping cart system records AVS and CVV responses from your merchant account gateway, but it does not automatically decline suspicious transactions. You are responsible for analyzing transactions that come through the shopping cart. (Check with your merchant account gateway company to see whether they offer any options for making the authorization process more restrictive.)

Here is a general explanation of how our "Cool Tools" shopping cart works:

The gateway processes the card based on the merchant's settings. Our shopping cart system accepts the order if the gateway says the transaction was approved and tries to report details (such as the transaction id) about the transaction back to the merchant. All merchants should review their orders before completing them (completing tells the gateway to capture the funds reserved during the original transaction). The gateway checks CVV and AVS information if the merchant has these options as part of their merchant/gateway account. Full details would be available by viewing the transaction in the virtual terminal provided by the merchant's gateway.

To reduce the chance of being the victim of a credit card fraudster, always carefully check the Fraud Screening section of your order processing page before you complete a credit card order. A message such as the one below, along with non-matching addresses in the order's Billing Information or Shipping Information sections, could indicate potential fraud:

Fraud Screening: AVS-Card code does not match
CVV-Not Available

Note: CVV information may be unavailable for any number of reasons, none of which the shopping cart system controls.

For best protection, you need to use manual detection (e.g., checking each transaction carefully before you complete it) and set up your Gateway to be more restrictive about credit card transactions. The shopping cart system by itself cannot prevent credit card fraud.

We recommend that you checkmark Enable CVV in your shopping cart system's Store Manager (see 7. Payment Methods/Merchant Account). We also recommend that you checkmark Require Agreement/Consent CHECKBOX and enter an explanatory message such as "Please check this box to confirm your agreement to be responsible for payment on your order." in your Store Manager (see 4. Checkout Settings). You may want to display more detailed terms and conditions; this is just an example.

"Cool Tools" Shopping Cart Points to Remember
Your payment gateway (merchant account) allows you to process credit card transactions over the Internet. The merchant account/gateway interfaces with our shopping cart system. The gateway is responsible for verifying and processing the credit card orders.
 
Our shopping cart system does not restrict transactions based on CVV or AVS match; that is the gateway's responsibility. The shopping cart system does not screen or prevent transactions from going through (merely reports any responses from the gateway). It is the merchant's responsibility to check the records with the gateway if anything appears amiss.

• http://intellivative.com/avs-and-cvv-when-to-use-it-and-why.html
  • What are AVS and CVV?
  • Do I need to use AVS and CVV?
  • What type of order is it?
  • Will it make a difference in my transaction fees?
  • So besides extra fees, what good are AVS and card code?
  • How do I know what these cryptic response codes mean?
• http://www.paradata.com/content/help/faq/security_faq.shtml
  Security / Fraud Protection FAQs (from Payment Processing Inc. (PPI))
  • How secure are PPI payment products and payment gateway?
  • How can I remove the risk of fraudulent credit card use and resulting costs to me or my customers?
  • What fraud screening does PPI offer?
  • Am I liable for fraudulent card use or chargebacks?
  • What is CW?
  • What is CVV?
  • What is AVS?
• http://www.bankcardcentral.com/resources/articles-merchant/cvv-avs-security-codes.html
  Details about CVV Security Codes and AVS Verification Security
• http://www.process4america.com/Responding_to_Chargebacks.pdf
  Recommended best practices for preventing and responding to chargebacks.
  Per Wikipedia, a "chargeback" is the return of funds to a consumer, forcibly initiated by the consumer's issuing bank. Specifically, it is the reversal of a prior outbound transfer of funds from a consumer's bank account, line of credit, or credit card.
• http://ezinearticles.com/?How-Merchants-Can-Reduce-Credit-Card-Fraud&id=5141319
  Addresses 10 ways merchants can reduce credit card fraud (below) and lists top real-time payment gateway services (our "Cools Tools" shopping cart interfaces with most of these):
  1. Use Address Verification Service (AVS).
  2. Use Card Verification (CVV/CVV2).
  3. Use a Threshold Management Service.
  4. Scrutinize orders from free email accounts.
  5. Scrutinize orders with a different Ship to address than Bill to address.
  6. Scrutinize international orders / foreign credit cards.
  7. Understand that an Authorization Code does not mean the credit card is not stolen.
  8. Use an Advance Fraud Protection Service.
  9. Use a PCI (Payment Card Industry) compliant data storage service.
  10. Review and implement PCI standards policies.
• http://www.merchantequip.com/merchant-account-blog/36/what-does-a-fraudulent-transaction-look-like
  • What does a fraudulent transaction look like?
  • Businesses will always suffer more from fraud than consumers!
    (Card testing and fraudulent orders are the two main types of credit card fraud.)
  • Card testing (or carding).
  • Preventing card testing.
  • Fraudulent orders.
  • Preventing fraudulent orders.
  • Common fraudulent order flags.

Check out "Video Can Be A Moving Tool For Your Business," by Mark Shapiro, in The Costco Connection magazine (December 2010). The article discusses ways you can use video on YouTube and/or your website to build brand awareness, reach new customers, and increase sales.

The new Site Builder (aka Cool Tools) System 4.17a update is available. The new update is just awesome, just chock full of wonderful new features. These include changes to:

User interface, especially the editing features ~ Image and text components ~ Design and layouts ~ Social networking buttons ~ Google page translation ~ Google settings menu ~ Blogs and RSS ~ Ecommerce product links and other improvements ~ Mobile website administration ~ Account settings ~ Message Board ~ Media files ~ Spam Filters ~ Additional Layout columns ...and more » read full article

As our customer base grows, it's even more important that we track all support requests carefully, so that no customer requests fall through the cracks. The best way for us to do this is to ask that all support requests come via email. You can request support through our Contact page, or by using the email address you already have been using for support requests.

This doesn't mean we'll never talk with you! We love keeping the personal touch in our business. Often, a phone conversation or face-to-face meeting is the best way to achieve a great solution for you. Typically, we'll follow up voice conversations with an email message to confirm our understanding or to summarize work that we have done for you. But please do always make your initial requests in writing, via email.

The following guidelines will help us give you the best service possible via email.

• Please be sure the Subject line clearly describes your request.
• Should you need to make a new request, please send a new email with a new Subject line.
• To help us track our email conversations with you, please always copy the original message in any reply that you send. Most email programs are already set up to do this. Some, such as AOL, are not. For AOL, simply select (highlight) the text before you click the Reply button.
• If it is an emergency and you are on the road or do not have access to email, then by all means, call us. We'll always do our best to help you.
• If you need help with any of this, just ask! We'll do our best to answer your questions.

(PLEASE NOTE: We cannot offer free support, except during FREE Website 10-Day Trial Period.)

We are incredibly grateful for our customers, long-time and brand new. Our long-time customers are our bread and butter, and we thank you for sticking with us, especially during these difficult economic times. To our new clients, welcome! We like to share new-client websites with everyone and hope you will enjoy visiting these sites. Below are links to our most recent creations.

 New Leaf Renovation (Home Renovation Services and Home Remodeling. We provide home improvement, remodeling, and home renovation services throughout the Portland, Oregon metro area. We specialize in remodeling and renovating kitchens and bathrooms).

Kristen Moeller (Kristen Moeller is a highly respected coach, author, speaker and radio show host who holds a master’s degree in counseling and has more than 20 years experience in the field of personal development. Her Best-Selling book, “Waiting for Jack: Confessions of a Self-Help Junkie – How to Stop Waiting and Start Living Your Life” (Morgan James Publishing, April 2010) explores why we wait and look outside ourselves for answers.)

Coexist Celebration (New Thought and Ecumenical Spiritual Experiences. COEXIST creates a place to celebrate the deepest truth, that we are ONE HUMAN FAMILY. Whatever your spiritual practice or religious community, we promote acceptance among all races and religions.)

Celebration Church (A Christian church founded on the principle of honoring all faiths that teach love. Registered non-profit organization, with Music Ministry and weekly messages led by Reverend Barry Dennis.)

Coming soon...a website for Barry Dennis (author, minister, musician, speaker and spiritual leader of Celebration Church and Coexist Celebration, in the Portland, Oregon area).

Site Builder (aka Cool Tools) System Update: 4.17 is chock full of wonderful new features, summarized below.

Please let us know if you need our consulting help implementing any of these Cool Tools on your website. (Remember, these features are available only on the sites implemented with our Cool Tools system — officially named Site Builder. Not sure whether you're using a Cool Tools system? Simply contact us and we'll tell you.)

We are always looking to improve the quality of our services and your feedback is appreciated. If you have any ideas or suggestions, please let us know.

MOBILE WEB PAGES
More and more internet users are using mobile devices such as the iPhone or Android. This release includes support for adding mobile optimized pages. You can create new pages that are designed to work on advanced mobile devices.

The mobile support is not for all mobile devices. It is designed to work with advanced mobile smartphones such as the iPhone and Android based devices that have full HTML support (we are not supporting WAP based phones).

To add mobile pages to your site, go to the page list and click the Mobile Website Settings button. Click here to view the Precision Computing Arts Sample Mobile Website.

BLOG ENHANCEMENTS
New customization options let you customize the styles, fonts, colors of many of the blog display elements. You also can customize how many blog posts are displayed on the first page. You can set the system to show all the posts from the last 7 days, last 30 days, or you can specify the number of posts to display. (We have customized some features of this blog to illustrate the latest and greatest.)

ECOMMERCE - REWARDS
With the ecommerce rewards system enabled, you can give your customers discounts for shopping at your website. Customers will earn reward points for making purchases at your website. They can log in to their accounts and redeem the reward points for credit that can be used on future purchases. You can configure how points are converted, which products are included/excluded, and set specfic products to be worth more/less points.

FORM BUILDER DATA

The form builder now allows you to view your form data on your website. All data is saved in a forms database. To view form data, you can log in to your website, click the Form Data link under Administration > Reports/Info and select the form that you want to view.

The form data csv file also has been updated. The csv data file for newly submitted forms will contain the form data fields in the file header. This will make it much easier to use/import the file into other applications. The form data file also contains all data fields such as radio buttons and checkboxes. Each time you change the form field data structure, a new csv file is created.

SECURE FORMS (requires UPGRADE to Business Website or better)
With the secure forms upgrade you can use the form builder to collect form information over a secure https:// page. The data that is submitted is saved in your site admin. You can then login to your site to view the form data over a secure link.

• When visitors browse to a page with a secure form they will be redirected to a https:// version of the page.
• Form data is not sent in the form, but you will receive an email notification when a secuform has been sent.
• You must log in to your website to view form data. To get started viewing data, go to the Admin page and choose Administration > Reports/Info > Form Data in the lefthand column. Or, edit the form, scroll down to the bottom SECURE FORM section, and click the link below Form Data.
• The secure form cannot be used to collect credit card/billing information.

Application Database - AppDb (requires UPGRADE to Business Website or better) 
Use the AppDb feature to set up a searchable/sortable data table. You can define your own custom fields when setting up the data table. To create a new AppDb, go to the page list, create a new page, and click the AppDb page type. You may have up to 3 AppDbs per site. Click here for a sample application database.

SOCIAL NETWORKING
You can add the social networking icons to the bottom of the product catalog detail pages. Social networking icons allow visitors to share the product page/information on their social networking pages (twitter, facebook...) To add the social networking icons to product detail pages, log in to your website, and then click Social Networking link under Site Editor > Settings on the left side of the page.

Google Buzz has been added to the list of social networking icons.

DESIGN

• New groupbox styles
• Advanced css menu settings (align right, margin/spacing, menu bar settings)
• Animated text/css menus
• Up to six groupbox styles available

MISCELLANEOUS UPDATES 

• Image tools: A slider on the main resize image page allows you to easily reduce the image size by moving the slider.
• Footer styles: Advanced padding/border/margin settings allow you to enhance the footer styles area.
• Image gallery/rotator: All image gallery/rotator modes support the image description display.
• Product search: The product search from within the store manager allows you to change the product category/login after clicking on the edit link from the search.
• Ecommerce order notes: Append to Notes button allows you to enter time stamped updates to the order notes area.

FIREFOX 3.6 FILE UPLOAD/DRAG DROP
Firefox 3.6 supports the HTML5 enhanced multi file upload. When the advanced file upload option is enabled, you can use the Firefox 3.6 upload features. When you browse to select files to upload, you can select multiple files in the file open dialog box.

Drag/drop upload: A drop files box appears next to the file upload/browse button. To upload files via drag/drop, open a file/explorer window. Select the files you want to upload, click the files and drag the files to the "drop files" area in the browser window. The files will be uploaded to your website.

UPGRADED RATE PLANS
This release comes with some revised web hosting rate plans, with more bang for your buck! Please see the New Plan Updates - 8/2010 blog entry for details.

Following the deployment of Site Builder Release 4.17, all web hosting plans have been upgraded. This is great news!

The biggest change is the disk space allocated to each account, with most plans receiving about 3 times as much disk space as the original plans. Accordingly, the disk space upgrades also were adjusted. Also, the $24.95 and $34.95/mo non-ecommerce plans were replaced by a $29.95/mo non-ecommerce plan. Please see the plan fees list for details on each of the new plans.

These plan changes apply to both existing customers and new customer sign-ups. If features in your current plan are not included in the equivalent new plan, these features remain available to you unless you change your plan. If you change your plan, you will receive only the features listed in the new plan and cannot return to your previous plan.

Customers currently using the $24.95 and $34.95/mo plans will remain on these plans, but you will not have these plan options when signing up or upgrading your plans. Customers currently on these plans will receive disk space upgrades in line with the new plan set.

These plans were replaced because the differences between these plans and the base non-ecommerce plan were small. The $29.95/mo plan, which replaces these two $24.95 and $34.95/mo plans, includes the Calendar, Site Search, Message Board, App DB, and Secure Forms features, which provide more value to you when upgrading your non-ecommerce plan.

Also, please note that upgrades on accounts will not be adjusted automatically. You must make any desired changes via your My Account area; or contact us for assistance. You will not receive a billing credit for adjustments to your upgrades.

8/23/10 Note: If you were using a beta test feature such as AppDb, you will need to upgrade your plan to the $29.95/mo non-ecommerce plan or better.

Please contact us if you have any questions or need help upgrading your plan!

There are many ways to improve your standings in Search Engines such as Google and Yahoo (the two most-used search tools on the Internet). The fancy name for this is "Search Engine Optimization," or SEO. Some SEO requires very specialized knowledge; other SEO requires simple common sense and facility with website design tools. Please contact us if you would like assistance with SEO tasks, especially those that fall into the "common sense" categories below.

What does it mean to optimize my website?

To ensure that your site works well with the search engines, your site should be properly. Be sure that your site keywords and phrases are displayed in the places that search engines look at when indexing your website. To do this, review the areas listed below...

• The visible content on your pages is the important area that search engines look at.
• Place your highest priority keywords and phrases in the content area of your pages.
• Your home page must include your most important phrases.
• Keywords must be placed near the top of your content area.

• The browser title appears in the title bar of your browser window.
• Be sure that your global browser title reflects the most important keywords.
• Use page specific browser titles for specialized pages. Page specific keywords are displayed right after your global keywords in the browser title

• Search engines will look at the names of your pages and links when indexing your site.
• Keep your page names short.

• Create text links on your site that take visitors to important pages.
• Use your keywords in the text links.
• For example, if you had information on televisions...Instead of creating a link called "click here" or "product specials", you could create a link called "Plasma Television Specials"

• Search engines rely heavily on links to determine the relevance/ranking of your website.
• You want other websites to link to your site. This will generate traffic from those websites, and also will increase the ranking of your website.
• Links from websites that are very popular and related to your keywords and phrases will give you the biggest boost in search rankings.

We've been busy creating and updating websites including First Hand Healing Massage Therapy in Tucson, Arizona; Rincon High School Class of 1970 Reunion in Tucson, Arizona; New Leaf Renovation in Portland, OR; Real Volleyball, Susan Hutchison Stables, and Cassidy & Associates Real Estate in San Diego, CA; Larry Gotkin handmade knives, edged weapons, jewelry, and pet portraits in Tucson, AZ; and PerioCDent non-surgical periodontal dental hygiene in Atlanta, GA. We hope to begin a new site soon for Mission Valley Shell in San Diego!

Precision Computing Arts welcomes four new websites, two for new customers and one for a repeat customer.

	David Thomas Law (referral from Karalyn Eckerle): David Thomas has practiced law in the state of Washington for over 25 years in the areas of estate planning, probate administration, real estate and business. His focus is on planning for and avoidance of controversy.
	Karin Finley Jewelry (referral from neighbor Lisa Dawes): Karin Finley creates individually designed and executed one-of-a-kind jewelry using various enamel techniques and incorporating copper, silver, gold, semi-precious, and precious gems.
	Shelley Wilson, MFT (referral from Nancy Lucas): Shelley Wilson is a Marriage and Family Therapist in Newport Beach, CA, who specializes in Individual Counseling, Group Counseling, Relationship Counseling, and Emotional Eating Counseling.
	Frank's Stuff (second site created for Frank Watson): Frank Watson, based in Hilton Head, SC, has some cool stuff to buy and rent, including a wonderful motorhome that is available for touring to a variety of fabulous vacation destinations throughout the Southeastern United States.
	Using Constant Contact (a great system for staying in touch with people on your mailing list), we designed and published a newsletter written by Registered Dental Hygienist, Lynne Slim of PerioCDent. We designed Lynne's website a number of years ago and remodeled part of it in July 2009.

We LOVE Qualified Referrals from Clients & Friends!

The above work was made possible by referrals and existing clients — thank you Karalyn, Lisa, Nancy, Frank, and Lynne! In addition to earning our undying gratitude, qualified referrals will earn you a free gift that we know you will enjoy. And, as always, we offer discounts for "bulk" jobs of 8 hours or more (see details here).