SMS Verification Service announces the unique features at SMS Verification:

1. Robust infrastructure. System not only fail overs, undeliverable sms are re-routed to alternative providers. Re-routes, re-sends are not billed extra. You are charged per transaction.

2. Automatic number format checking. No worries in case your customers provide a wrong number, we don’t bill it. Instead return error,

3. Worldwide numbering plan checking. Together with number format checking, we also check if country code + prefix is defined. In real time, without an extra cost.

4. We do not bill or try to deliver to a mobile number if the number is not “live”. Ask this especially from your current sms verification provider.


Give it a try at There is online sms verification demo at demo page. Account opening is free. Don’t pay till you test and see it working.



Fraud Prevention:Experience is Everything

Experience is everything. You need to keep records of successful and unsuccessful transactions; and learn from them. Copy the successful ones. Avoid unsuccessful. Unsuccessful ones (fraud, chargeback) will tell you the way hacker/scammer works, and add prevention methods to your system.

For example, if you see too much fraud from a country that you see safe, add this country to your fraud monitoring/scoring system. If you see too much from from a phone number, add prefix and type of it. Examples dont stop.

Your fraud monitorin/scoring system is a live one.

Fraud Prevention: Compare phone number with address

Cross checking everything on online business is a must. Another parameter to check given phone number with address. Actually not all phones map to an address; mobile numbers are a non-geographic. But other numbers will map at least to city granularity like ip address. You number compare the number’s city, country to billing and shipping city and country. A mismatch must warn you. provide free number type and number address for all verifications. It’s easy to use and implement

Fraud Prevention: Calling the Customer

When you are suspicious about  order,  you better call the customer to confirm and cross-check the order. Because either your previous experience or your fraud scoring system alerted you. Sometimes that simple call helps to get rid of a $25 chargeback.

If number of orders are high during the day, or it’s hard to place a staff for this calling operation;  here comes Automated Phone Verification & Confirmation. Automated Phone Verification & Confirmation will help you automate your Order Checking process via phone; no hardware, no special software, and no personnel to run this. provides a solution. helps you to Automate the Phone Verification and Phone Confirmation process. All you need to do is to integrate API into your existing code and process.

Fraud Prevention: Watch Free E-mails

Free e-mail account is very easy to setup than to setup an e-mail address with a company in background together with a web site. There are lots of companies refuse to do business with free e-mails. I do not suggest to completely avoid, but what I say that you must be careful with the orders done with free e-mails. Free e-mail is another positive point to your fraud scoring system.

Also, keep in mind that, marking an order for extra check for fraud, depends on your business model. If you target end-users, or let your customers try before buying, your customer may want to try or buy with a free personal e-mail. On the other side, if you explicitly sell to companies, or your products are highly priced, you must watch free e-mails.

Fraud Prevention: Use AVS Only For US Orders

AVS is short for Address Verification System, which simply tries to map/match the the address given with the card holder’s address. This technology by it’s implementation is a weak one, and cannot be highly regarded due to several reasons: A recent change in address causes negative responses. Service only available in US and a few EU countries.

AVS provides following common results:

A – The address matched, but the zip code did not. This is for Mastercard, Visa, and AMEX users.
Y – Address matched, but the zip code did not for a Discover card user.
B – The street address was a match, but the postal code was in the wrong format for the international user.
C – The street addresses and postal codes were formatted incorrectly.
D – The street address and postal code match for an international user.
E – There was an error.
G – The service is not supported by a non-US user.
I – Address information was not verified by the international issuer.
M – T street address and postal code match for an international user.
N – There is no match for the zip code or the address.
O – No Response was sent.
P – While the postal codes match, the street addresses cannot be verified due to inconsistencies in the formats.
R – You should retry. The system is temporarily unavailable or has timed out.
S – The server is not supported by the user.
U – The address information is unavailable.
W – The nine digit zip code matches, but the address does not.
X – This is an exact match.
Y – Both the address and the zip code match.
Z – The five-digit zip code matches, but the address does not.
0 – There is no response.

Unless your customer base is not US only, do not use AVS. Just IP to county/city mapping will bring more information.

Fraud Prevention:Use BIN!

BIN is short for Bank Identification Number. It’s the first 6 digits of the credit card. BIN (first 6 digits) maps to a bank.

A BIN database provides the merchant with information about the issuing bank such as the country it is located in, the customer’s billing address and other helpful information. The merchant can use this information as a factor in deciding whether or not to approve a transaction. If a card’s BIN is not found in the database, the merchant can decline the transaction to avoid fraudulent activity.

Many online merchants also use BIN databases to determine what type of card is being used to pay for a transaction, such as a credit, debt, or prepaid card. The reason for this is that prepaid cards have a higher rate of fraud. Many merchants use a prepaid flag that will alert them when the card is prepaid so they can either inspect it more closely or simply reject it to be safe. Putting such practices into place can significantly reduce a merchant’s risk of loss from fraud.

Following information can be cross-checked and can add scoring :

  1. Customer’s country and Bank’s country will most probably match. A mismatch may be flagged
  2. Prepaid cards can be flagged.

One of the most notable database is available at:

Fraud Prevention: Check customer’s geolocation of the ip to billing and shipping address

As I noted previously all orders are done from well know ips. If the ip maps to a proxy address, this is 100% fraud. If it does not map to a proxy server address, you can check

  1. IPlocation country to billing address country
  2. IPLocation city to billing address city
  3. IPLocation provides some Latitude and Longitude value. You can calculate the distance to billing address. Any distance bigger than 1000 kms must warn you (+1 fraud score)
  4. You can also check phone number against valid prefixes for IPLocation city/country and billing address
  5. You must check zip code against city/country of billing and IPLocation address

Fraud Prevention: Track and watch customer ips

Customer’s do connect from an internet connected device; meaning it has got a unique ip. Customer’s ip is really important, you much check and watch:

  1. If the ip you catch is a valid ip
  2. If ip is proxy ip (+1 to your fraud scoring system). Some fraudster will try to use anonymous proxy servers to be anonymous and untracable.
  3. All ips converts to country (%98) and city (more than 70%). The must match billing and/or shipping country and city. A mismatch must alert you (+1)

There are several companies that provide ip to location services. Two of the most noticable ones are: and