| rob |
October 10th, 2011 02:36 PM |
We've had a few people run into problems with the gift cards, but they generally seem to work. The problems all center on whether the issuing bank properly performs security verification on the cards.
Since we sell electronically, we have to be proactive against fraud, and we rely entirely on the bank issuing the card for our fraud detection. When a charge is submitted, we send everything to the bank that issues the card. The bank then is responsible for telling us whether all the security details match. Unfortunately, some banks only do partial checks, and some banks do no checking at all. The bank tells us what was actually checked, so we know if the bank doesn't do full checking.
If we were shipping physical products, we could safely get away with a partial match - that's what most companies who ship you products do. However, we deliver electronically, so the prospect of fraud is much higher. We tried allowing partial matches many years ago and had lots of fraud problems, so we had to switch to full verification, even though some banks don't support it. And with the continued acquiring of smaller banks by bigger banks, cards that used to work will stop working for awhile until everything gets completely switched over to the new bank.
Hope this explanation helps...
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