In online payments, many merchants have encountered malicious fraud, and many have suffered huge losses, especially in the virtual industry and electronic products.

In fact, we can confirm his credibility with customers from many aspects.

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 credit score will be slightly higher after certification (this is for reference only).

3. Is there a big gap between the customer IP address, the harvest address, and the credit card bank address (paypal registered address), such as in different cities or even different countries.

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, and address.

7. Have you placed consecutive orders recently, or even changed multiple credit cards or Paypal accounts to make purchases under the same record? This indicates that you are likely to be a fraudster.

8. Is the country of purchase a high-risk country (according to the products and markets sold by each website, the characteristics of the fraud country are also different), such as less developed countries in Africa, Vietnam and Malaysia in Asia, where there are many frauds, and Spain in Europe. , Morocco has many scams.

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 delivery 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:

Historical orders were paid by Paypal, and the order has not generated complaints for more than 60 days (note that if the customer binds a credit card through Paypal , if you pay the credit card amount actually deducted, you can also cancel the order through the credit card issuing bank at 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 is pretty good, and you can feel more confident about issuing the order. goods.

However, 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.