Selling online creates new opportunities, but it also requires risk-based safeguards to help protect your business, reduce fraud risk, and manage potential disputes or chargebacks. When used appropriately, verification can help protect your business, confirm that a purchase was authorized, and keep useful records in case of a dispute.
These steps do not guarantee that a chargeback will be prevented or reversed. They are meant to help you collect relevant transaction evidence while protecting your customer's privacy.
đ Identity verification
Verification should not be a routine step for every online sale. For higher-risk orders, you may ask for limited supporting information before shipping or delivering the product, when there is a specific fraud concern and as permitted by applicable law, card-network rules, and processor/acquirer requirements.
Higher-risk situations may include high-value orders, mismatched buyer/cardholder/shipping information, use of a third-party card, repeated failed payment attempts, urgent shipping requests, local pickup, unusual delivery instructions, or other fraud indicators.
Depending on the risk, you may consider asking for:
Card photo
Show only the last 4 digits and the cardholderâs name.
Hide all other information. No CVV or full card number.
Identification document
Ask for documents with a photo and issuing state, such as an ID card or driverâs license.
Handwritten cardholder statement
Ask the cardholder to handwrite an authorization for the purchase.
Combine this with the card photo and the identification document to strengthen security.
Highly recommended when the buyer is using a card that belongs to another person or when the transaction presents higher risk.
đ Sample Cardholder authorization and transaction acknowledgment form
Important: This is a sample form only. You should adapt it to each transaction and only request information that is necessary and permitted by applicable law, card-network rules, and processor/acquirer requirements. This form does not guarantee that a chargeback will be prevented or reversed.
I, (cardholder name), holder of Driver's License/ID Number/Passport (cardholder identification number), hereby declare for all legal purposes that I voluntarily acquired the service(s)/product(s) (describe here the products or services acquired) in the amount of $ (insert amount) at the establishment (insert business establishment name).
For payment of the service(s)/product(s), I authorized the charge to my credit card under the brand (insert card brand) with the last 4 digits (insert last 4 digits of card) in the amount of $ (insert sale amount) paid in (insert number of installments) installments on (insert purchase date in MM/DD/YYYY format).
(insert cardholder city), (month) (day), (year).
(CARDHOLDER SIGNATURE)
Note: This form should only be used when additional verification is necessary. You should request only the minimum information required and comply with applicable laws, card-network rules, and processor/acquirer requirements. The card image, if requested, should display only the cardholder's name and the last four digits of the card number.
Privacy notice: Only request the information necessary to verify the transaction and handle any personal information in accordance with applicable data protection laws and your privacy practices.
Following these steps helps keep your sales secure. Protect your business, reduce risk, and give your customers more confidence when buying online.
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