Get What’s Coming to You

Beware of suspicious addresses/hotspot countries. The same goes for suspicious addresses that have proven in the past to be either fake or high-risk, such as prisons and P.O. boxes, and hotspot countries that historically have shown higher instances of fraud (e.g., Nigeria).

Maintain an in-house negative file. While third-party negative databases are useful in preventing fraudulent transactions, you should have your own negative database of cardholder information. Keeping a customized list helps you to be doubly sure you’re authenticating the transaction to the best of your ability.