volved in shenanigans when he told her to ship the furniture to Romania (next day, no less) although the billing address was in the United States. Before she ran a third card through the credit card terminal, she called me, seeking my advice.There is a small, yet palpable inherent risk in accepting credit cards. Aside from chargebacks, there always exists a possibility that a given credit card is stolen or presented without any authorization to use from the card holder. Even veteran merchants, processing for decades, can recount incidents where they have sent out product, subsequently learning that they have been victimized by credit card fraud.

One day, I received a phone call from one of our retail merchants who sells furniture. She explained that she received a credit card from a so-called customer that was declined. This customer then presented a different credit card with the same result: transaction declined. The owner’s intuitive feeling was that “something was not right” – the customer may simply be over-extended, surpassing his credit card limits, or simply trying to engage in an act of deception.

The business owner leaned toward the perspective that the customer may be involved in shenanigans when he told her to ship the furniture to Romania (next day, no less) although the billing address was in the United States. Before she ran a third card through the credit card terminal, she called me, seeking my advice.

ran merchants, processing for decades, can recount incidents where they have sent out product, subsequently learning that they have been victimized by credit card fraud.

One day, I received a phone call from one of our retail merchants who sells furniture. She explained that she received a credit card from a so-called customer that was declined. This customer then presented a different credit card with the same result: transaction declined. The owner’s intuitive feeling was that “something was not right” – the customer may simply be over-extended, surpassing his credit card limits, or simply trying to engage in an act of deception.

The business owner leaned toward the perspective that the customer may be involved in shenanigans when he told her to ship the furniture to Romania (next day, no less) although the billing address was in the United States. Before she ran a third card through the credit card terminal, she called me, seeking my advice.

ho sells furniture. She explained that she received a credit card from a so-called customer that was declined. This customer then presented a different credit card with the same result: transaction declined. The owner’s intuitive feeling was that “something was not right” – the customer may simply be over-extended, surpassing his credit card limits, or simply trying to engage in an act of deception.

The business owner leaned toward the perspective that the customer may be involved in shenanigans when he told her to ship the furniture to Romania (next day, no less) although the billing address was in the United States. Before she ran a third card through the credit card terminal, she called me, seeking my advice.

that “something was not right” – the customer may simply be over-extended, surpassing his credit card limits, or simply trying to engage in an act of deception.

The business owner leaned toward the perspective that the customer may be involved in shenanigans when he told her to ship the furniture to Romania (next day, no less) although the billing address was in the United States. Before she ran a third card through the credit card terminal, she called me, seeking my advice.

volved in shenanigans when he told her to ship the furniture to Romania (next day, no less) although the billing address was in the United States. Before she ran a third card through the credit card terminal, she called me, seeking my advice. While I like to give people the benefit of the doubt, her description of the series of events fomented a feeling of suspicion within me as well.

At the time of our conversation, the customer asked for his card back and said he wanted to look down a few more aisles and examine the merchandise. But the business owner had the two previous credit card numbers, including the expiration date, and the customer’s name appearing on the card. I told her that I would call MasterCard to investigate, providing them with the information that the business owner gave to me.

In less than two minutes, I had the name of the card holder’s bank and their telephone number. I advised her to call the bank and inquire about the status of the credit cards. Moreover, I told her to have her Visa/MasterCard merchant account identification number as a bank representative may ask for it. I was not certain whether the bank official would be cooperative and provide the inform