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How to determine the creditworthiness of foreign buyers to avoid paypal and credit card fraud?

In fact, we can confirm his credibility with customers from many aspects. Analyze suspicious points 1. Determine the credibility of the customer's communication with you, whether the conversation is evasive, whether you are urging you to deliver goods, etc. 2. Whether the payment account and address have been authenticated (paypal payment). Generally, the credibility is slightly higher after authentication (this Points are for reference only). 4. Whether the client language matches the country of the account holder, such as a US credit card/paypal, the client language shows Vietnamese Vi, it is likely that a Vietnamese person stole the credit card online. 5. Whether the purchased product is a high-risk product, such as virtual products, notebooks, mobile phones, etc. 6. Check whether there are the same records before, including name (because there are many with the same name, this is for reference), email, IP, address; 7. Recent Whether there are consecutive orders, or even multiple credit cards or Paypal accounts being used for purchases in the same record, this indicates that it is likely to be a fraudster. 8. Whether the country of purchase is a high-risk country (the characteristics of fraud countries are also different depending on the products and markets sold by each website), such as less developed countries in Africa, Vietnam and Malaysia in Asia where there are many frauds, and Spain and Morocco in Europe where there are many frauds. 9. Most of the orders placed by scammers cannot be answered by phone, and customers prefer to communicate via email. If the phone can be connected, please note that in the case of PayPal payment, you should call the phone number filled in the PayPal account registration for confirmation, not just the phone number left by the customer when placing the order. 10. The customer's name and address obviously do not match, such as an American name, but the shipping address is Vietnam. ---This does not rule out that a few of them are traveling or living abroad, but you must be more careful, it may be cross-border credit card theft. 11. If the customer has a purchase record in the past: the historical order was paid by Paypal, and the order has not generated complaints for more than 60 days (it should be noted that if the customer binds a credit card through Paypal and pays the actual deducted credit card amount, the card can also be issued through the credit card If you cancel the order by 180, pay attention to this time), historical orders are paid by credit card, and there is no complaint record of the order for 180 days, then the customer's credit rating is pretty good, and you can ship the goods with confidence. ----But it cannot be completely ruled out that new scammers will steal the accounts of previous customers. 12. Continuously summarize and update common fraud characteristics and update them to the anti-fraud database in a timely manner. ---How to confirm customer identity for credit card payment: If you think the credit card customer is not trustworthy, you can ask the customer to fax his credit card to you. Prove that he indeed holds the card. (Some customers are worried and can ask them to cover part of the card number) ---How to confirm the customer's identity with PayPal payment. If the customer pays with PayPal balance, the confirmation method can be: 1. Let the customer authorize through the PayPal registered email to prove that he You can access your mailbox normally. Even if your account is stolen, your mailbox can still be used normally. 2. Ask the customer to provide a utility bill, passport, or driver's license. If the information is consistent with the registrant's information, it will be more credible. Note: Many scammers will forge fake credit card pictures and documents, so everyone must learn to recognize them. Go online to check more authentic and fake versions, as well as sample versions. Finally, if you still feel that the customer is very suspicious, you can ask the customer to change to other payment methods. If the credit card is not safe, you can ask him to use PayPal. If PayPal is not safe, you can ask the customer to use Western Union, T/T, Even checks. Sellers still need to take the initiative. If the risk is too great, you may have to give up the business. ----------Risk control requires continuous summary and analysis of cases based on the characteristics of your products and the differences in your target markets, in order to make continuous progress.