Have just received a telephone call from a card holder informing me that an order processed earlier this month was unauthorised and appears to be fraudulent. She has reported it to her card company.
The order value was over £250 (for the single most expensive item we stock) and was sent to a separate delivery address to the card holder. I was naturally suspicious but the Actinic Payments 3rd man score was 31 (green light) and a company email address used that didn't bounce. the CVV check was passed as was 3D secure so felt a little reassured.
I have never received a chargeback before in many years of trading, although I have voided several orders in the past as they were more obviously fraudulent.
My question is should I do anything now or just wait for a RFI (Request for information) to arrive.
As the card was 3D secure enrolled and passed am I likely to receive a chargeback or will the bank accept the liability under the "Liability Shift" that Streamline talk about.
The card is a UK Credit Card not a non-EU issued card and was 3D secure enrolled so believe I may be covered, although knowing how the banks hate to lose money am sceptical they will not try and worm out of liability.
My other fear is that Streamline will use this as an excuse for rate rises.
The order value was over £250 (for the single most expensive item we stock) and was sent to a separate delivery address to the card holder. I was naturally suspicious but the Actinic Payments 3rd man score was 31 (green light) and a company email address used that didn't bounce. the CVV check was passed as was 3D secure so felt a little reassured.
I have never received a chargeback before in many years of trading, although I have voided several orders in the past as they were more obviously fraudulent.
My question is should I do anything now or just wait for a RFI (Request for information) to arrive.
As the card was 3D secure enrolled and passed am I likely to receive a chargeback or will the bank accept the liability under the "Liability Shift" that Streamline talk about.
The card is a UK Credit Card not a non-EU issued card and was 3D secure enrolled so believe I may be covered, although knowing how the banks hate to lose money am sceptical they will not try and worm out of liability.
My other fear is that Streamline will use this as an excuse for rate rises.
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