Fucking sites that don t require a credit card

Posted by / 05-May-2020 09:36

Fucking sites that don t require a credit card

If you have a positive CVV2 response, it is proof in most cases that the person who made the purchase had the card in hand.

CVV2 also is a proactive approach at helping consumers.

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Lastly, CVV2 actually works for international cards while AVS (Address Verification) does not.

It is really the only built-in fraud prevention method that is internationally usable at this time.

So, why would the biggest online retailers not require this most basic information for orders that they accept. Conversion rates were measured to be 40% higher on the websites that were not requesting card verification information.

40% is a massive amount when you are averaging it across millions or billions in sales.

Additionally, it is much easier to fight most chargebacks when you have a valid CVV2 match.Currently CVV2 is not required, but only because some older cards don’t have CVV2 numbers on them.As soon as every card does, it’s very likely that it will be required for all card-not-present transactions.Card Code Verification is a basic fraud deterrent because the purchaser must have the card in hand, or have copied the entire number, expiration date and code from the back of the card to use it.It eliminates fraud from credit card skimming as the card verification code is not on the magnetic stripe and therefore cannot be used where CVV2 is required.

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A few weeks ago Elastic Path published their Ecommerce Checkout Report which was a great breakdown of the online trends of the top 100 internet retailing websites.