While fraud against retailers on the ShipEarly platform is exceedingly rare, accepting online payments always includes a degree of risk. Fraud screening is the responsibility of the participating retailer. Please educate yourself on recommended fraud protection best practices and the tools available from Stripe, the payment processor you use to process all ShipEarly payments. ShipEarly cannot accept responsibility for losses due to fraudulent charges.
Within ShipEarly we do a 3D Secure check to validate the bank agrees the customer is who they say they are where possible with participating banks.
Shopper Protocol
On orders for store pickup, ShipEarly recommends you check the ID and credit card of the shopper at pickup to confirm their identity. When closing out the order, the shopper’s name, credit card type, and credit card last four digits are available on every ShipEarly order screen. The shopper is reminded to bring their ID/credit card during pickup in the order email notification they receive from ShipEarly when their order is confirmed.
On orders with local delivery, you have the option to require a signature at drop-off, or require the shopper show the courier their ID. If you have selected these options, we recommend you remind shoppers of these requirements in your order messaging so they are ready to be present or show their ID. If you want to so additional screening before releasing merchandise for delivery, we advise verifying the phone number (by calling) and/or using public directories to verify information about the consumer.
Fraud Protection with Stripe
To accept payments on ShipEarly, you use Stripe. Fraud protection is incorporated into every online payment processed by Stripe. Every Stripe merchant account includes Stripe Radar, which is Stripe’s default fraud protection product.
Stripe Radar automatically assigns a risk assessment score of 1-100 on every attempted payment. If the score is below a 75, Stripe will block the attempt and the shopper will not be able to complete their ShipEarly checkout. Because the order is blocked, you aren't alerted if this occurs, but you can view any "blocked" attempts in the "Payments" section of your Stripe dashboard.
- Learn more about Stripe Radar at https://stripe.com/radar
- View their help site at https://stripe.com/docs/radar
- Contact Stripe with questions at https://support.stripe.com/?contact=true
Any retailer who wishes to have more advanced options to fine-tune the fraud protection services offered by Stripe can activate Stripe’s “Radar for Fraud Teams” add-on, for a price of 2 cents per transaction.
- Info on Stripe Radar for Fraud Teams: https://stripe.com/radar/fraud-teams
- See a comparison of the default Stripe Radar product and Radar for Fraud Teams is at https://stripe.com/docs/radar#features
- Activate this in your Stripe account at https://dashboard.stripe.com/radar/settings
Whatever settings you enable on Stripe's "Radar for Fraud Teams" will automatically be applied to the ShipEarly cart. You can activate this at any time via your Stripe dashboard.
Handling Disputes
While exceedingly rare, if a shopper initiates a formal dispute against you, you'll work with Stripe and their guided dispute resolution process within your Stripe dashboard (https://dashboard.stripe.com/disputes). ShipEarly is not involved with the dispute process.
- For more information, view Stripe's support section on Disputes: https://support.stripe.com/topics/disputes
If you have any questions on fraud protection, disputes, and more, please contact stripe at https://support.stripe.com/contact.
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