Hey there, @lulietbakery. So, for now some of what you want can be specified in Risk Manager, while some can’t. Here are my recommendations. Keep in mind that these are based on your statement “I want to limit fraud without needlessly inconveniencing our good customers.” However, understand that in order to reduce online fraud exposure, we can’t have it both ways and that sometimes (most times) all customers must “pay the price” to help reduce fraud for us all. That can’t really be avoided. Anyway…
I’d create rules with the action = “Require 3D Secure.” In its simplest form this action will sometimes cause Square Online to further validate the customer’s authorization to use the card they are trying to use. Here’s a link to the help document on the subject.
As for the rule conditions, I’d recommend a couple for you — Payment amount, prepaid payment methods and risk evaluation. Unfortunately, at this time Risk Manager doesn’t have conditions for fulfillment method or location.
Besides setting up a rule to require 3D secure, you could also set up the same rule to “trigger a risk alert.” I’d only do this if you wanted to see a list of every time that 3D secure was required for an online order, maybe to help you refine your rules more over time.
If you go to the trouble of setting up 3D secure rules, then the paragraph in the help document “Disputes with 3D secure” will come into effect. Since you are taking positive steps to reduce fraud, Square and the card-issuing bank take more responsibility to cover disputes and chargebacks, which is a definite plus. Yes, customers have to prove who they are. But, if you explain this (maybe in a website popup) most customers except fraudsters will understand, I believe.
One more thing. I’d also recommend that you head over to the Ideate Board and submit a couple of feature requests to the Square Online team. Make one request to have them add order fulfillment method (delivery, pickup, shipping) as a rule condition, and the other to have them add store location as a rule condition. If you want to, I’d even recommend a third feature request that would add number of items in order as a rule condition. (Word to the wise — DON’T combine these three into one feature request. Submit three requests, or your request won’t even be considered.)
I hope that helps get you started. Remember, this is a work in progress and you’ll need to monitor and review your progress over time. Hopefully, you see some positive results. Let me know if you have any other questions.
Chip A.
Square Expert & Innovator and member of the Square Champions group. (But NOT a Square employee, just a seller like you)
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