Best Practices for Processing Card Not Present Transactions

Unlike the brick and mortar bookstore down the street, your ebook store will never actually physically host one of its patrons. This means your customers will purchase remotely, so you’ll never actually see their credit cards either. To help you mitigate the risk of fraudulent transactions and costly chargebacks, here are some best practices for processing card not present transactions.

  1. Gather Payment Information Thoroughly

You should get the cardholder’s name, account number and the expiration date of the card for each and every transaction. You’ll also need the cardholder’s billing address and physical address. If the two addresses are different, make an effort to ensure the physical address is legitimately connected with the cardholder. Record the date of the payment and the total amount charged to the card for the transaction, including taxes. All of this information should be included on the receipt you transmit to the customer along with a detailed description of the item(s) purchased and an electronic descriptor of the transaction.

  1. Obtain Secondary Verification

Every card not present transaction should be subjected to a two-factor authentication process. You’ll get the primary verification when the customer gives you the account number ad expiration date. However, that information is available to anyone who has a record of the card having been scanned. You should also require the purchaser to provide the three-digit security code. This number cannot be derived from the magnetic stripe on the card and must be provided separately.

  1. Deploy a Fraud Screening Application

As you’re determining how to sell an ebook online, plan to include a fraud screening application on your site to see if a card has been involved in unscrupulous activity. If the application throws a flag, the transaction should be forwarded to a human being for further investigation.

  1. Request Authorization from the Issuing Institution

If the card passes your internal sniff test, have your system submit it for authorization to the issuer. You might be tempted to skip internal screening and go directly to this step. However, card issuers charge a fee for providing this service. Why should you pay to find out a card is bad when you can possibly catch it on your own for free? The issuer should also verify the billing address and the card security code information as part of the authorization process.

  1. Transmit the Ebook

Upon receiving authorization, you can release the ebook for transmission to the customer and slate the funds for deposit into your bank account. Keep in mind; you must transmit the book before making the deposit (which should always be made within 30 days of the transmission of the book).

  1. Inform Customers of Your Return Policy

Return information should be readily visible on your checkout page so your customers have every opportunity to know what they’re buying into if a dispute arises. In addition to spelling it out on your checkout page, include a link on every page of the site to a separate page detailing the policy. Placing this link in the header or the footer will make it readily accessible.

  1. Provide Customer Service Contact Information

Among the best practices for processing card not present transactions, this is one of the most important. It usually just takes a conversation to straighten out issues. But you have to give buyers a way to get in touch with someone at your ebook store to have one. If your business is too small to support a full-time person, invest a chatbot application to answer frequently asked questions. But if that doesn’t give the customer the resolution they’re seeking, give them a phone number to call and a reasonable set of hours within which they can call and expect to get someone on the phone to help them.

Adhering to these best practices for processing card not present transactions in your ebook store will ensure your revenue is protected. Whenever you notice anything suspicious, pull out all the stops to investigate and correct it.

428 COMMENTS

  1. Good day! I know this is kind of off topic but I was wondering if you knew where I could locate a captcha plugin for my comment form? I’m using the same blog platform as yours and I’m having trouble finding one? Thanks a lot!|

  2. Nice post. I was checking constantly this blog and I’m impressed! Extremely helpful info specifically the last part :) I care for such info much. I was looking for this certain info for a long time. Thank you and best of luck.|

  3. Hey there, You’ve performed a great job. I will certainly digg it and for my part recommend to my friends. I am confident they’ll be benefited from this website.|

  4. Hello! I’m at work surfing around your blog from my new iphone 3gs! Just wanted to say I love reading your blog and look forward to all your posts! Keep up the excellent work!|

  5. Hmm, it seems like your own site ate my initial comment (it was really long) so I speculate I’ll just sum this up the things my partner and i had written and claim, I’m thoroughly enjoying your current blog. I as effectively is an aspiring blog page writer, but I’m nevertheless new to the complete thing. Do you possess any suggestions for newbie blog copy writers? I’d appreciate it.

  6. I enjoy whatever you guys are usually upward too. This sort involving clever work and protection! Keep up the fantastic works guys I’ve additional you guys to our blogroll.

  7. Hey! Someone in my Facebook group shared this site with us so I came to take a look. I’m definitely loving the information. I’m bookmarking and will be tweeting this to my followers! Excellent blog and excellent design.|

  8. Hi! Someone in my Facebook group shared this site with us so I came to give it a look. I’m definitely loving the information. I’m book-marking and will be tweeting this to my followers! Great blog and great design.First off I want to say wonderful blog! I had a quick question in which I’d like to ask if you do not mind. I was interested to know how you center yourself and clear your mind before writing. I have had a difficult time clearing my thoughts in getting my thoughts out there. I truly do enjoy writing but it just seems like the first 10 to 15 minutes are wasted simply just trying to figure out how to begin. Any ideas or tips?

  9. Excellent site you have here.. It’s difficult to find excellent writing like yours these days. I truly appreciate individuals like you! Take care!!|

  10. When I initially said, I clicked the “Notify me when new feedback are added” checkbox in addition to now every time a new comment is added We get several emails using the same comment. Is generally there in whatever way an individual can remove people while a result service? Thanks a lot.

  11. When I initially commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get several emails with the same comment. Is there any way you can remove me from that service? Cheers!|

  12. I’m not sure why but this weblog is loading very slow for me. Is anyone else having this problem or is it a problem on my end? I’ll check back later and see if the problem still exists.|

  13. I know this if off topic but I’m looking into starting my own weblog and was curious what all is required to get set up? I’m assuming having a blog like yours would cost a pretty penny? I’m not very internet savvy so I’m not 100 positive. Any recommendations or advice would be greatly appreciated. Many thanks|

  14. Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.|

  15. Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.|

  16. Please let me realize if you’re trying to find a good author for your web site. You may have some great articles, and I think We would be a good advantage. If you happen to want to acquire some of the weight off, I’d like to be able to write some material regarding your blog in trade for the link back in order to mine. Please shoot me personally an email if serious. Thanks.

  17. I really love your blog.. Excellent colors & theme. Did you make this site yourself? Please reply back as I’m wanting to create my own personal blog and would like to know where you got this from or what the theme is called. Cheers!|

  18. Hi! I could have sworn I’ve visited this blog before but after browsing through many of the articles I realized it’s new to me. Nonetheless, I’m definitely delighted I stumbled upon it and I’ll be book-marking it and checking back often!|

  19. You are so interesting! I don’t believe I’ve read a single thing like this before. So good to find someone with some unique thoughts on this subject. Seriously.. many thanks for starting this up. This site is something that is needed on the web, someone with a little originality!|

  20. I was suggested this website via my cousin. I am not sure whether this publish is written by means of him as no one else recognise such unique approximately my problem. You are wonderful! Thanks!|

  21. Do you mind if I quote a few of your articles as long as I provide credit and sources back to your blog? My website is in the very same niche as yours and my visitors would certainly benefit from a lot of the information you provide here. Please let me know if this okay with you. Thank you!|

  22. Hello! Do you know if they make any plugins to help with SEO? I’m trying to get my blog to rank for some targeted keywords but I’m not seeing very good gains. If you know of any please share. Many thanks!|

  23. Plus indeed, I’m just constantly astounded concerning the outstanding things served by an individual. Some four facts upon this page are unquestionably the most effective I have had.

  24. I know this if off topic but I’m looking into starting my own blog and was curious what all is required to get setup? I’m assuming having a blog like yours would cost a pretty penny? I’m not very internet savvy so I’m not 100 certain. Any suggestions or advice would be greatly appreciated. Cheers|

  25. It’s a pity you don’t have a donate button! I’d certainly donate to this superb blog! I guess for now i’ll settle for book-marking and adding your RSS feed to my Google account. I look forward to brand new updates and will share this website with my Facebook group. Chat soon!|

  26. I was suggested this blog by my cousin. I am not sure whether this post is written by him as nobody else know such detailed about my difficulty. You are amazing! Thanks!|

  27. This is a really good tip particularly to those fresh to the blogosphere. Simple but very accurate information… Many thanks for sharing this one. A must read post!|

  28. Howdy, would certainly you mind letting me personally know which web number you’re utilizing? I’ve packed your blog in a few completely different web web browsers, and I must point out this blog loads very much faster then most. Can easily you suggest a great internet hosting provider with a reasonable price?

  29. Hello every one, here every person is sharing these familiarity, thus it’s nice to read this blog, and I used to pay a quick visit this weblog all the time.|

  30. Excellent weblog here! Additionally your site so much up fast! What web host are you the usage of? Can I am getting your affiliate link for your host? I want my web site loaded up as fast as yours lol|

  31. I do not even understand how I stopped up right here, however I assumed this put up used to be good. I don’t understand who you’re but definitely you are going to a well-known blogger when you aren’t already. Cheers!|

  32. I am curious to find out what blog system you’re using? I’m having some small security problems with my latest website and I’d like to find something more risk-free. Do you have any solutions?|

  33. Valuable info. Fortunate me I found your web site by chance, and I am shocked why this accident didn’t came about earlier! I bookmarked it.|

  34. My companion and I stumbled more than here different website plus thought I might simply because well check things away. I like the items i see so today I’m following you. Seem forward to checking out there your on line webpage repeatedly.

  35. Hi! I could have sworn I’ve been to this site before but after browsing through some of the post I realized it’s new to me. Anyways, I’m definitely glad I found it and I’ll be bookmarking and checking back frequently!|

  36. It is simply incredibly generous together with you to provide openly just what exactly a lot of people would’ve sold for an ebook in order to end up making several cash for his or her end, mostly given that you might have tried out it in the occasion you wanted.

  37. Hey there! I’ve been reading your weblog for some time now and finally got the courage to go ahead and give you a shout out from Dallas Tx! Just wanted to say keep up the excellent job!|

  38. Do an individual have a spam concern on this website; My partner and i also am a tumblr, and I desired to understand your situation; many associated with us allow us some good methods, and are looking in order to trade methods with other folks, why not shoot myself an e-mail if fascinated.

  39. como ganhar na lotofacil, acertar na lotofacil, ganhar na lotofacil, como ganhar na lotofacil de verdade, como ganhar na lotofacil sempre, como ganhar na lotofacil 2020, como ganhar na lotofacil 100 garantido, dicas lotofacil, como acertar na lotofacil, dicas para ganhar na lotofacil

  40. como ganhar na lotofacil, acertar na lotofacil, ganhar na lotofacil, como ganhar na lotofacil de verdade, como ganhar na lotofacil sempre, como ganhar na lotofacil 2020, como ganhar na lotofacil 100 garantido, dicas lotofacil, como acertar na lotofacil, dicas para ganhar na lotofacil

  41. Wow, superb blog layout! How long have you been blogging for? you made blogging see easy. The overall see of your site is excellent.Thanks a lot for the informative and well-researched content.

  42. I used to be suggested this blog by my cousin. I’m now not positive whether or not this put up is written by way of him as no one else understand such specific approximately my trouble. You are amazing! Thank you!|

  43. como ganhar na lotofacil, acertar na lotofacil, ganhar na lotofacil, como ganhar na lotofacil de verdade, como ganhar na lotofacil sempre, como ganhar na lotofacil 2020, como ganhar na lotofacil 100 garantido, dicas lotofacil, como acertar na lotofacil, dicas para ganhar na lotofacil

  44. como ganhar na lotofacil, acertar na lotofacil, ganhar na lotofacil, como ganhar na lotofacil de verdade, como ganhar na lotofacil sempre, como ganhar na lotofacil 2020, como ganhar na lotofacil 100 garantido, dicas lotofacil, como acertar na lotofacil, dicas para ganhar na lotofacil

  45. Every weekend i used to go to see this website, for the reason that i wish for enjoyment, as this this site conations genuinely good funny material too.|

  46. Hello! Someone in my Myspace group shared this website with us so I came to check it out. I’m definitely loving the information. I’m book-marking and will be tweeting this to my followers! Great blog and terrific style and design.|

  47. Hi! This is my first comment here so I just wanted to give a quick shout out and say I really enjoy reading your posts. Can you suggest any other blogs/websites/forums that go over the same subjects? Thanks a ton!|

  48. Today, I went to the beach with my kids. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is completely off topic but I had to tell someone!|

  49. Terrific work! That is the kind of info that are meant to be shared across the net. Shame on the seek engines for now not positioning this submit higher! Come on over and discuss with my site . Thanks =)|

  50. You have made some good points there. I checked on the internet for more information about the issue and found most individuals will go along with your views on this website.|

  51. Thanks intended for one marvelous posting! I actually enjoyed reading it; a person are a fantastic author. My partner and i will make sure in order to bookmark your blog and even may come back at some point. I want to inspire that you continue your current great posts, possess a weekend break!

  52. I’m really impressed with your writing skills as well as with the layout on your weblog. Is this a paid theme or did you customize it yourself? Either way keep up the excellent quality writing, it’s rare to see a great blog like this one today.|

  53. Excellent site you have here but I was curious if you knew of any forums that cover the same topics talked about here? I’d really like to be a part of online community where I can get advice from other experienced people that share the same interest. If you have any suggestions, please let me know. Cheers!|

  54. My partner and I absolutely love your blog and find a lot of your post’s to be exactly I’m looking for. Would you offer guest writers to write content for you personally? I wouldn’t mind writing a post or elaborating on a few of the subjects you write about here. Again, awesome web log!|

  55. I simply wished to thank you consequently much again. I was not sure the points that I would have got gone through without typically the kind of hints revealed by simply you regarding that circumstance.

  56. Write extra; that’s all I have got to say. It looks as though you depended on the video to be able to make your point. An individual know what you’re speaking about, why waste your brains on just posting video clips to your blog if you may be giving us all something enlightening to study?

  57. Hi there, this weekend is nice designed for me, for the reason that this time i am reading this wonderful informative piece of writing here at my residence.|

  58. fantastic post, very informative. I ponder why the other experts of this sector don’t understand this. You must proceed your writing. I’m confident, you have a great readers’ base already!|

  59. Pre-existing without the answers to be able to the difficulties you’ve categorized out through this manual is a critical situation, as well as typically the kind which could have got badly affected my whole career if I acquired not discovered your site.

  60. Hi there, just became aware of your blog through Google, and found that it is truly informative. I am going to watch out for brussels. I will be grateful if you continue this in future. Lots of people will be benefited from your writing. Cheers!|

  61. Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You obviously know what youre talking about, why waste your intelligence on just posting videos to your site when you could be giving us something enlightening to read?|

  62. Thank you for the auspicious writeup. It if truth be told was once a leisure account it. Look advanced to more introduced agreeable from you! By the way, how can we communicate?|

  63. Hello this is kinda of off topic but I was wondering if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding skills so I wanted to get advice from someone with experience. Any help would be greatly appreciated!|

  64. I love your blog.. very nice colors & theme. Did you create this website yourself or did you hire someone to do it for you? Plz reply as I’m looking to create my own blog and would like to find out where u got this from. kudos|

  65. Yesterday, while I was at work, my sister stole my iphone and tested to see if it can survive a twenty five foot drop, just so she can be a youtube sensation. My iPad is now destroyed and she has 83 views. I know this is totally off topic but I had to share it with someone!|

  66. Yesterday, while I was at work, my cousin stole my iphone and tested to see if it can survive a thirty foot drop, just so she can be a youtube sensation. My apple ipad is now broken and she has 83 views. I know this is totally off topic but I had to share it with someone!|

  67. Howdy! I’m at work surfing around your blog from my new apple iphone! Just wanted to say I love reading through your blog and look forward to all your posts! Keep up the superb work!|

  68. Hello! Quick question that’s completely off topic. Do you know how to make your site mobile friendly? My web site looks weird when viewing from my iphone. I’m trying to find a template or plugin that might be able to fix this issue. If you have any suggestions, please share. Appreciate it!|

  69. Please let me know if you’re looking for a writer for your blog. You have some really great posts and I believe I would be a good asset. If you ever want to take some of the load off, I’d absolutely love to write some content for your blog in exchange for a link back to mine. Please blast me an email if interested. Many thanks!|

  70. Nice blog! Is your theme custom made or did you download it from somewhere? A design like yours with a few simple tweeks would really make my blog shine. Please let me know where you got your design. Thanks|

  71. Hey! I could have sworn I’ve been to this site before but after reading through some of the post I realized it’s new to me. Anyways, I’m definitely happy I found it and I’ll be book-marking and checking back frequently!|

  72. Some us know just about all associated with the compelling moderate you present powerful ways on this web site and as a result strongly encourage contribution through other ones on this specific subject while our very own child is really discovering some sort of great deal. Have entertaining with the rest of the portion involving the year.

  73. Hello there! This is kind of off topic but I need some help from an established blog.
    Is it difficult to set up your own blog? I’m not very techincal but I can figure things out pretty fast.
    I’m thinking about making my own but I’m not sure where to begin. Do you have any tips or suggestions?
    With thanks

  74. Awesome blog! Do you have any tips for aspiring writers?

    I’m planning to start my own site soon but I’m a little lost on everything.
    Would you recommend starting with a free platform like WordPress or go for a paid option? There are so many options out there that I’m completely confused ..

    Any tips? Thanks!

  75. Hey I know this is off topic but I was wondering if you knew of any widgets I could
    add to my blog that automatically tweet my newest twitter updates.
    I’ve been looking for a plug-in like this for quite some time and was hoping maybe you
    would have some experience with something like this.

    Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to
    your new updates.

  76. Hey There. I found your weblog using msn.
    That is a very smartly written article. I will make sure to bookmark it and come back to learn more of your helpful information. Thank you for
    the post. I will certainly return.

  77. I’m not sure exactly why but this site is loading incredibly slow for me.
    Is anyone else having this issue or is it a problem on my end?
    I’ll check back later and see if the problem still
    exists.

  78. My developer is trying to persuade me to move to .net from PHP.
    I have always disliked the idea because of the expenses.

    But he’s tryiong none the less. I’ve been using WordPress on numerous websites
    for about a year and am worried about switching to another platform.
    I have heard very good things about blogengine.net. Is there a way
    I can import all my wordpress content into it?
    Any help would be greatly appreciated!

  79. When I originally left a comment I seem to have clicked on the -Notify me when new
    comments are added- checkbox and from now on every time a comment is added I get four
    emails with the exact same comment. Is there a means you can remove me from that service?
    Cheers!

  80. Hi I am so delighted I found your blog page, I really
    found you by mistake, while I was looking on Aol for something else, Nonetheless I am here
    now and would just like to say thank you for a marvelous post and a all round entertaining blog (I also love the theme/design), I don’t have time to
    read through it all at the moment but I have saved it and also
    included your RSS feeds, so when I have time I will be back to read
    a great deal more, Please do keep up the awesome job.

  81. Hello, Neat post. There’s a problem together with your site in web explorer,
    could check this? IE nonetheless is the market
    leader and a good part of folks will omit your great writing due to this problem.

  82. Hello there, I found your web site by means of Google whilst looking for a similar subject, your site came up, it seems to be great.
    I’ve bookmarked it in my google bookmarks.
    Hi there, just changed into aware of your weblog through
    Google, and located that it’s really informative. I’m going to be
    careful for brussels. I’ll appreciate in case you proceed this
    in future. Lots of other people shall be benefited from your writing.
    Cheers!

  83. Hi there would you mind letting me know which webhost you’re using?

    I’ve loaded your blog in 3 completely different web browsers
    and I must say this blog loads a lot quicker then most.
    Can you suggest a good hosting provider at a fair price?
    Cheers, I appreciate it!

  84. One thing I would like to say is the fact that before getting more computer system memory, look at the machine in to which it is installed. If your machine is usually running Windows XP, for instance, the particular memory ceiling is 3.25GB. Installing greater than this would merely constitute any waste. Make certain that one’s mother board can handle the upgrade quantity, as well. Thanks for your blog post.

  85. Hi I am so delighted I found your weblog, I really found you by error, while
    I was researching on Aol for something else, Anyways I
    am here now and would just like to say thank
    you for a incredible post and a all round exciting blog (I
    also love the theme/design), I don’t have time
    to look over it all at the moment but I have bookmarked it and also
    included your RSS feeds, so when I have time I will be back to read much more, Please do keep up the fantastic work.

  86. An interesting discussion is worth comment. I think that you should write more on this topic, it might not be a taboo subject but generally people are not enough to speak on such topics. To the next. Cheers

  87. 216836 509204The luxury proposed may be incomparable; citizens are never fail to searching for bags is actually a Native goals. The idea numerous insert goals uniquely to push diversity with visibility during the travel and leisure arena. Hotels Discounts 817292

  88. My partner and I stumbled over here different web address and thought I should check things out.
    I like what I see so now i am following you. Look forward to exploring your web page
    again.

  89. Good day! I could have sworn I’ve been to this website before but after reading
    through some of the post I realized it’s new to me.
    Anyways, I’m definitely happy I found it and I’ll be book-marking and checking back often!

  90. 658813 894698This internet website may possibly be a walk-through its the data you wanted in regards to this and didnt know who ought to. Glimpse here, and youll totally discover it. 755825

  91. certainly like your web-site however you need to check the spelling on several of your posts. Several of them are rife with spelling problems and I in finding it very bothersome to tell the truth on the other hand I’ll certainly come back again.

LEAVE A REPLY

Please enter your comment!
Please enter your name here