Keeping Up With Growth

• Be very wary of high-dollar-amount sales.

• Use an address verification service (AVS) to match the cardholder address to the address entered into the order form. The next level up from AVS is a system that checks each transaction against algorithms chosen by the merchant. These algorithms gauge probability of fraud based on certain characteristics of the transactions. For example, www.cybersource.com has a sophisticated fraud-checking service, which they claim can reduce fraud levels to very low levels.