Question

What do you do if you have internet shop and some hacker paid online with stolen card via stripe or paypal? And stripe is angry at u. And what to do

Answer 1

Happened to me 2 times now. got my shopify payments blocked

Comments

@grin so what do you do next? What was the order summ?  

---

My advice would be just refund the order that has been paid with stolen card and contact shopify customer service and tell them that you refunded the order

---

@grin so the stripe blocked your account? Or they just turned payment back? Did you received funds? And how much(approximately) :) thanks

---

On 1 of my shops risk assesment team just contacted me via email and said that due to risk of chargeback my funds will be held for 90 days, or i can just refund all the orders that were high risk and they will lift the payout hold. on my second store they just suspended my shopify payments permanently without giving me a chance to appeal. and how how much it was 1500 in held funds for first store and 500 for second store so it was a huge loss but i guess that's just e-commerce in a nutshell ‍♂️

---

@grin hm 1500 in first is nice summ. But why did they decided that it was risky transactions? I wonder why if ip is ok and holder has his card. Then its good. And where transactions were coming from? Uk? Us? What do you sell? :) thank

---

Different reasons as i had a couple of high risk payments do main factor is "IP address is xx km away from shipping address" or "there were 3+ payment attempts"

---

@grin and what country?  

---

Different countries lol. fraudulent orders mainly come from phillipines or india

Answer 2

They should be blocking these and/or accepting liability shift, sucks.  

Comments

@ifni what do u mean liability?  

---

@stereotomy I'm unsure of the route but if it was a 3d secure payment then it should have shifted the liability to the bank (ie they stand the cost of the fraud). If stripe didn't show 3ds then I'd say its on them (unless you are settling with banks not supporting 3ds). As far as I was aware stripe take liability and block fraudulent transactions - having said that though you may want to look for a provider who is slightly easier to work with on it.  

---

What provider would you offer? :)

---

@stereotomy I guess there are other factors when it comes to this part - if your order totals don't go over 800 gbp or equivalent square are easy to integrate and pretty easy going on holding funds (never held for me when stripe banned me due to a faulty batch of product).