Settings for Fraudulent Stripe Purchase

Colorado Bricks

@Lawrence

A few week ago, I got an order with the message : "The card failed address verification. This could mean the customer has mis-typed their address, or they are shipping to a different address. This is usually only a concern on higher value orders. You may want to update your Stripe settings to validate the Address."

I tried to update my stripe settings but got the following response: "As a Connect account, your Stripe technical integration is controlled in part by the platform that you are connected to. As Radar relies on the quality of your integration with Stripe, we’ll ensure that you get access to these features in concert with the entire platform that you work with."

I had several orders with that BO message before, they all were good until today were Stripe declared a 6 weeks old payment as Fraudulent (was not a high value order).

If I have no control on the settings on the Stripe side, I would like to be have a setting on the BO side to refuse those payments, until then I will cancel and refund any payments coming with that message.

CB

Lawrence

I’m sorry to hear of the trouble you are having, could you clarify where you saw that message? I believe there should be some settings on your account (unrelated to radar) where you have options in relation to how cards are handled.

Colorado Bricks

That was a response from Stripe when I emailed their support to allow me to change the rules.

Lawrence

Ah, okay, the best thing to do would be to take a look around the settings in your account and hopefully you should find an option on one of the tabs to reject cards that fail address verification.

Colorado Bricks

that is within the Rules section, but it is not editable unless I email support, that is why I did and they won't let me do it telling me that is coming from you, just really frustrating.

Stellar

Go to the Stripe Dashboard, then Radar and then Rules and enable the fourth one (click the 3 dots).

Colorado Bricks

It was enabled when the transaction went through

robernat

@lawrence, @"Colorado Bricks" After a similar issue in december I talked with Stripe, and the problem lies in the fact that the registration details on BO may differ from the registration details of the card. Stripe does not make that match, it just retrieves the address details from the site (BO in this case) and IF (not always the case) the Credit Card throws back the address details towards Stripe they can make the 'match'. Obviously, the way addresses are 'written' might differ (CC/BO) to start with, so that match is quite a 'laugh' to begin with. Then there are also options like prepaid CC cards and preloaded cards (might not even have an address since paid in advance).
After a couple of back and forth e-mails with Stripe, I realised that as a seller, there is no way to verify anything in regards to a card, a stolen card can be used, the registration details on BO would be filed on Stripe as 'shipping address' and it might take several weeks before the CCC (or bank) would say to Stripe: Fraudulent. Stripe then has no other choice then to return the money (including a fine), no questions asked, sellers looses money instantly with hardly any recourse.
So the perception of what sellers see on Stripe is entirely wrong: In most cases sellers see the BO address that has been send trough the API, not the actual card registration details...
I took Stripe down in januari for that reason: ZERO seller protection, good support, but they will always tell you the same: They have no choice then to instantly execute a Credit Card chargeback (whatever the reason). From my point of view, it makes their service useless then...

Colorado Bricks

@robernat , after several back and forth with Stripe, I also took it down, I enabled it on case by case basis for my repeat customers asking for it. Had similar issues with PayPal but always won, when I got the Stripe message, it was clear it was already a lost battle.

Colorado Bricks

To my biggest surprise, I got an email today from Stripe that the case has been ruled in my favor. I can say that I didn't see that coming...

leopard37

Perhaps they read this thread!

robernat

I'm sure they didn't, and it is also not Stripe who 'rules' over cases, Credit Card Companies (or the related banks) do.
It is great to hear C.B. did end up with the money, I was less lucky, my december case was ruled 'lost' early April :-(
Side note question (just curious) @"Colorado Bricks" : did they also refund the $15 'fine' ?

Colorado Bricks

@robernat , yes they did. I check the dispute for details, and will details are sparse, it look like I won because it was a deliberate fraud from the buyer, not paid by a stolen CC.