What is a fraudulent charge?
- When a customer makes a payment various checks will be made on the card, including; Card Verification Code Check CVC (also referred as CVV) & Address Verification based on the postal code.
- 3D secure is used for payments over £100 - more info here.
- 3D secure is also used for failed postcode checks as an added protection.
- Stripe automatically surfaces payments that their systems indicate to have an elevated risk for us to review.
- Any emails sent into Collins that contain a card number will be masked.
- Does the name on the card match the booking?
- Communication with the customer that doesn’t sound quite right
- Use of obviously or likely-fake information (such as a fake phone number or a gibberish email address).
- Many failed payment attempts by the same customer.
- Inconsistencies in customer details across multiple booking, e.g seeing the same email address but a different customer name / payment name.
- Unusually large payments.
- Last minute large payments - perhaps unusual to your regular booking patterns
A phone number that doesn’t belong to the customer or an email that bounces may indicate suspicious activity; a nonsensical or evasive answer is, similarly, a good indication of potentially fraudulent behaviour. (Remember that even a phone or email response does not guarantee the person responding is the cardholder).If you suspect a fraudulent payment, it’s worth flagging it with your own management team who can then decide whether you want to supply the service/goods. It’s also worth emailing Collins Success Team on email@example.com with the details and we can check the activity of this user in our Stripe dashboard.