Carl Loder- CEO, CentralRacingParts.com

"Thrive did a great job building my online store.  I wasn't always sure of some of the decisions that were made in the construction process but Michael has won my trust!  Recently, five suppliers I had lined up to purchase from, visited my site.  Normally they require a "buy-in" for an initial order which can be upwards of $10,000.  When they saw my site, they were calling ME to represent them.  They waived their buy-in and are getting in line to be a supplier."

Solution: E-commerce store and credit-card processing

Dave Mace, First Employee, Maverick Creative Group

"Michael combines several talents to create an incredibly valuable service for his clients. He is part designer, part technician and part business strategist, making him a formidable partner. I've enjoyed working with him, and I've learned a lot from him."

Aaron Davis, Sedgwick County Health Department

"What does it for me when it comes to Thrive is their dedication to detail. Thrive takes the time to really listen to what I want and need and then make sure that they produce exactly what i asked for. I really appreciate their customer service, Michael and the team isn't perfect but when they make a mistake their team jumps on it to make sure any problems are resolved in a timely fashion. If you need an web-application built that works, I recommend Thrive!"

Solution: Emergency Responders Registration Database

Marta Curry, Waddell and Reed

“While Thrive Business Solutions is the company name, Michael personifies integrity in his industry. Thrive is genuine in their approach to listen, offer assistance and solutions to your agendas. Strive is one word as they pledge to help others, but they really thrive at it. I am fortunate to collaborate with them regularly through our Chamber Leads Group #3 - where many strategies and business networking goals are shared - and achieved!”

Pat Knolla- Founder / Owner, Knollas Pizza on 13th

“Thrives customer service has really impressed me. When I call they solve whatever I throw at them right away. I have been processing credit cards and have had my website with them for three years now and the rates have always been fair. Most importantly, they have integrity. I have never had to question if Thrive is doing something with my rates or service that I should be concerned about.”

Solution: Website, Online-Ordering, E-mail Marketing and Credit-card Processing

Mark Oelze, Owner, True Life Marriage and Family Counseling

"Michael is not only a man of great vision, but a man who has the mind and ability to take that vision apart and see it happen one step at a time. He does so with a steadfast spirit about him in a confident but gracious manner. When you are around Michael you are caught up in the same confidence that together what has been set out to do will indeed be accomplished. I can't say enough good about this man!"

Mike Steele, Co-Founder, The Galleon Company

“Michael is a man of high character and competence. He accomplishes what he sets out to do. I recommend his services without reservation.”

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Good Ideas for Fraud Protection E-mail

What do Visa and MasterCard Require you do to prevent fraud? What should you do to prevent fraud? Answers can be found here.

 

Fraud Prevention Guidelines for CNP Transactions

(Card Not Present)
Visa Card Acceptance and Chargeback Management Guidelines

Section 3 Pages 45 - 50

 

Good Ideas to Reduce Fraud

 

  1. Credit Card Acceptance Policy

    • Use Address Verification System (AVS) on all incoming transactions, shipment of product should only be sent to an address that has been verified and associated with the credit card that generated the transactions.

    • Require signature on all product deliveries

    • Use Card Identification Number (CID and CVV2) on all incoming transactions. On the majority of Visa credit cards is a 3-digit security code that acts as an additional verification measure and provides some assurance that the cardholder is in possession of the credit card

    • Credit Card Descriptor – clearly convey your merchant name, location, and customer service telephone number, in order to clearly identify your transaction on your customer’s statement

    • Use Soft Descriptors – for online merchants soft descriptors can be used as an extension of the credit card descriptor to identify individual transactions

    • Credit Card Authorization – to avoid technical chargebacks be sure to settle all transactions in a timely manner and do not settle transactions with invalid authorization numbers


  1. Refund Policy

    • Provide a clear explanation of all policies with regard to refund, return, or customer service related issues on all invoices, promotional materials, and websites.

    • Post customer policies in a conspicuous and accessible place

    • Increase the timeframe in which a customer can request a refund

    • Create a open line of communication for your customer to contact in case there are customer service issues via telephone or email

    • Restocking Policy – implementation of a Restocking fee may cause partial or full chargebacks


  1. Recurring Transaction Maintenance

    • Daily maintenance of your recurring transaction

    • Remove all customers from your recurring transaction database in a timely manner


  1. Fraud Monitoring

    • Create a Negative Database of all customers that issued a chargeback for the purpose of denying future transactions and website access in the future

    • Create a dedicated team of employees to review daily transactions for the purpose of identifying blatantly fraudulent activity and support customers service issues that may cause future cardholder disputes

    • Create a rule-based report that identifies high-risk transactions characteristics (i.e. foreign transactions, multiple transactions one cardholder’s card, etc.)

    • Employ & Implement a Risk Management Software that could help you identify high-risk transactions (Example: CyberSource, Retail Decisions, ClearCommerce, etc.)

    • Website Warnings – clear state your policy with regard to credit card fraud on your billing page and report all fraudulent incidents to the proper authorities

    • Bank Identification Number (BIN) Blocking – Block the acceptance of credit numbers related to high-risk areas (West Africa, Eastern Block Nations, Pacific Rim Nations, etc.)

Internet Protocol (IP) Blocking – Block transactions generated from IP’s originating for high-risk areas (West Africa, Eastern Block Nations, Pacific Rim Nations, etc.)

 

Online Resources


  • Rules for Visa Merchants

Card Acceptance and Chargeback Management Guidelines

http://merchants.visa.com/ds/pdfs/Card_Acceptance_and_Chargeback_Guidelines.pdf



  • Rules for MasterCard Merchants

Rules for Merchants

http://www.mastercard.com/us/wce/PDF/12999_MERC-Entire_Manual.pdf



Fraud Prevention Tips found on Visa’s Website


http://usa.visa.com/merchants/risk_management/fraud_control_basics.html


Fraud Prevention Tips found on MC’s Website


http://www.mastercard.com/us/securityandbasics/fraudprevention/index.html