How can I protect my store against checkout fraud and friendly fraud?

Implementing standard verification protocols significantly reduces dispute exposure:

• Enable AVS & CVV Checks: Reject orders where the Card Verification Value (CVV) or the Address Verification Service (AVS) numeric billing street and postal code do not match the issuing bank's records.

• Deploy 3-D Secure (3DS 2.0): 3DS provides two-factor authentication on suspicious or high-risk transactions. Qualifying authenticated 3DS transactions provide a liability shift, meaning the issuing bank—not your business—bears the financial loss for unauthorized fraud disputes.

• Match Your Billing Descriptor: Ensure your dynamic billing descriptor matches your public storefront name (e.g., BRANDNAME* STORE.COM) rather than an unrecognized parent corporate entity. Add a customer support phone number directly to the statement descriptor line.

• Set Velocity Rules: Automatically flag or hold orders with rapid repeated attempts, mismatched billing/shipping countries, or unusually high cart sizes requesting overnight delivery.