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TIPS FOR HIGH RISK MERCHANT ACCOUNT HOLDERS ON IP DETECTION

 All the high risk merchants should have some knowledge of the technical aspect of processing of credit cards. It is not necessary that they become experts but some practical knowledge will help them to run their merchant account smoothly. The fact is doing business on the internet involves a lot of risk compared to the conventional method. Merchants who are smart will not get into e – commerce without having a practical knowledge as to how the billing process is completed via credit cards.

The providers of high risk merchant accounts will use a wide variety of methods to lessen the number of charge backs like proxy server identification, IP address detection, credit card validation and restricting the use of unnamed email addresses.

Unnamed Email Addresses

The account providers will make sure that the shipping address, credit card, zip code, phone number and email address are valid. It is wise to reject owners of credit cards who give anonymous or email addresses from free providers such @gmail.com, @hotmail.com and @yahoo.com.

Validation of Credit Cards and other Issues

All merchants require integrating a validation system with their customer’s issuing banks. To increase the degree of security, the merchants will double check to see if the zip code and phone number matches including the billing address. Some go to the extent of not doing business with people from high risk places.

How does detection of IP Address Work

Merchants can make their payment system more secure by detecting and storing their customers “IP addresses”. Security is the highest priority while selling and buying online.

In fact, you will attract more legitimate customers by providing such security measures like “IP Geolocation” to protect them against credit card fraud. Scammers can hide behind the anonymous email addresses’ and also proxy servers. In such cases the merchants should filter doubtful IP addresses’. The process works like this:

1)    The Merchants find out IP Addresses by using advanced technologies such as “IP Geolocation” and then validate it using “IP Validation” technologies. It might be categorized by the country, area code, address or zip code.

2)    The IP Validation and geolocation technologies identify the location of the user, accurately, and compare it with the billing address mentioned in his account.

3)    The Merchants analyze and double check the transactions and finally filter legitimate from the illegitimate transactions. They also block out transactions which are considered as possible frauds and also all the transactions from countries prone to fraud.

Proxy Server Identification

The technologies, IP address detection and Proxy Server Identification, go hand in hand. Merchants will find it difficult to detect IP addresses of customers hiding behind unnamed proxy servers.

Proxy Server

The Proxy Server is used to increase the performance of a network by using some form of caching system. A cache is a provisional storage for web pages that are viewed most recently. Its primary purpose is to increase the efficiency of networks by caching web pages and images that were downloaded recently. Contact one of our helpful account representatives to assist you in the setup of a high risk merchant account or offshore merchant account for a high risk merchant.