Online Credit
Card Fraud is a serious problem costing
Internet merchants millions of dollars in losses,
chargebacks, and processing expenses each year.
OrderSpy is a service designed to help merchants
screen and eliminate fraudulent orders at the
source by analyzing order data in real-time.
Geographic IP Location Matching
Open Proxy Detection
Street Address Verification
Area Code Matching
E-mail Address Analysis
High-Risk Country Analysis
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Card Issuing Institution Lookup
BIN-Country Matching
Known Hacker IP Detection
Calculates Distance from IP Address
to Billing Location
Returns Fraud Score
Gives Advice to Merchant |
Sample
Transaction Fraud Reports
Below are two
sample transaction reports generated by OrderSpy.
The first report shows no problems with the
order and that the merchant should accept payment.
OrderSpy Report for Transaction ID 050401183316268
Fraud Score: 0%
Advice: ORDER IS GOOD
IP Address: 24.247.160.149
Name: Sonia M Paulino
Street Address: 553 S Lafayette St.
City: South Lyon
State: MI
Zip Code: 48178
Country: US
Phone:
E-mail: spaulino76@charter.net
Analysis Summery:
+ Street address found to be valid location.
+ E-mail ISP appears to be valid.
+ E-mail contains personal information.
+ IP country matches billing country.
+ IP location is within 4 Miles (6 Km) from
real address.
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The second order below gives a fraud score of
75%, indicating to the merchant to not accept
the order.
OrderSpy Report for Transaction
ID 050329195461486
Fraud Score: 75%
Advice: DO NOT ACCEPT ORDER
IP Address: 216.6.22.250
Name: Alex Kroll
Street Address: 6880 N. Sandy Desert Trail
#2
City: Tucson
State: AZ
Zip Code: 85762
Country: US
Phone:
E-mail: akhaxor2600@hotpop.com
Analysis Summery:
- IP and billing country mismatch (IP: Canada,
Billing: US)
- E-mail is from free E-mail provider.
- User tried 4 credit card/street address
combinations.
- Street address does not appear to be valid.
+ E-mail ISP appears to be valid.
+ Card issuer found (Commonwealth Central
Credit Union).
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Note: Transaction reports are samples based
on real orders. Names and addresses have
been changed for privacy.
Signup for OrderSpy
Please fill out
the form below, your free license key will
be E-mailed to you.
Common Questions About
OrderSpy
1. What is OrderSpy
and how does it work?
OrderSpy is a fraud screening service for merchants who accept
credit cards over the Internet. The merchant's
shopping cart software or order processing system
must call the OrderSpy software with data such
as the customer name, E-mail address, street
address, IP address, and other information
as configured by the merchant.
OrderSpy will then process the transaction and
return the fraud score and advice to the merchant's
shopping cart software. The merchant can
then configure their software to automatically
accept or reject the order, or notify the merchant
that they should manually review it. OrderSpy
uses many methods for determining whether an
order is fraud including real-time open proxy
databases, IP to geographic location mismatches,
high risk country score increases, address verification,
and more. Our system can automatically
detect fraud and help the merchant easily identify
high risk orders thereby reducing order
processing costs and chargebacks.
2. What systems
is OrderSpy compatible with?
Most payment systems and shopping carts are compatible
with OrderSpy. Virtually
any merchant with their own merchant account
may take advantage of all OrderSpy features.
Any payment system that allows the merchant
to input
customized HTML code during order processing
or after an order is processed
is compatible with OrderSpy.
3. Will OrderSpy
save my company money?
OrderSpy helps prevent fraud at the source,
before a fraudulent order is further
processed. A great tool for any
merchant selling physical goods, software,
or services. Since OrderSpy can be
configured to reject orders before they are
sent to the gateway or further processed,
your company will save transaction costs,
processing costs, chargeback fees, and
inventory loss.
4. How much does
the service cost?
As of May 2008, OrderSpy is now a free
service.
5. How do I setup
OrderSpy?
After you register for OrderSpy using the
form above, we will send you via E-mail your
custom license key.
This key allows you to access the OrderSpy software.
Instructions for installing OrderSpy on a Perl,
PHP, or Python platform are provided on the
Setup and API page.
6. Why are
return values such as distance calculations
and bin lookups sometimes not returned?
Some of the checks that OrderSpy uses do not
work for all orders. The distance from IP
address to the billing address calculation
and address verification features only work
for orders placed in the United States.
Although our BIN database is updated
frequently, there are no records for some
BIN numbers, resulting in empty BIN country
matches and issuer return values.
7. My question
was not answered here, how can I contact OrderSpy?
You may contact OrderSpy by E-mail at
.
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Real-time fraud detection compatible with most payment systems and
shopping carts.