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Fraud Protection

In an effort to protect our customers and our business from Internet Fraud, we have implemented the following procedure.

1. Electronic Signatures

By placing a check mark in the box titled "I have read, understood, and agree to the Terms and Conditions." upon checkout, you are signing your name electronically.  It is the same as signing your name on a credit card receipt.  If you are signing someone else's name, you are committing fraud. 


2. Accurate Billing and Shipping Information
   
Accurate billing information includes:

  • Name as it appears on your card.  If you are using a company card, and the company name and your name are on the card, use line one of the name or company name as the first name, and the second line as the last name. 
  • Address the statements are SENT to.  Almost 25% of our orders require further verification.  FURTHER VERIFICATION WILL DELAY YOUR ORDER. 
    What is further verification?  See Examples 2, 3, 4, and 5 in Section 3 found below.  If your order requires further verification, we will tell you how to correct it.  You then have 3 business days to correct the issue.  If after this period the issue is not resolved, your order will be cancelled.

    Accurate shipping information includes:

  • ALL of your Billing information must come back correct to proceed with the order.  See Example 1 in Section 3 found below.
  • ALL orders will ship to the billing address unless you tell us differently.
  • If you supply a different shipping address, it must be added by YOU as an "authorized alternate address".  Adding an alternate address is a quick procedure that you can do by calling your issuing bank.  The phone number is usually on the back of your card.  If you want to avoid this step, send it to the billing address.  If your bank does not offer this option, you must send it to your  billing address.  NO EXCEPTIONS. 

3. Credit Card Approval 101

The following are examples of credit card approval codes and their meanings.  When an order comes through, these codes are used to determine if the transaction is immediately approved or not.  This is the first thing we look for.

Approval Code Examples:
1. YYYM or YYYP
2. NNNN
3. NNNM
4. YNYM
5. YYYN

The letter Y stands for Yes, N for No, M for Match, and P for American Express.
The first digit tells us if your name matches what's on your account.
The second digit tells us if your address matches what's on your account.
The third digit tells us if your zip code matches the state that's on your account.
The fourth digit tells us the CVV and/or the expiration date matches what's on your account.

Example 1
(YYYM or YYYP) is a perfect input by the customer.  They put their name in correctly, correct billing address, and a correct CVV number.  Even with a perfect approval code, we reserve the right to question ANY order.

Example 2
(NNNN) shows us everything is wrong about this order.  Wrong name, wrong billing address, and a wrong CVV number.  You will be notified via email to redo your order with the correct info.  These orders automatically get cancelled.


Example 3
(NNNM) shows us wrong name, wrong billing address, and a correct CVV. 
You will be notified via email to redo your order with the correct info.  These orders automatically get cancelled. 
Several examples of the N's could be:

  • Name is different than entered.  Examples would be Bob, instead of Robert, or Sue instead of Susan.  Insert name exactly as it appears on your card.
  • Typo when inserting name.
  • Incorrect spelling of name.
  • Middle initial not included although it does appear on your credit card.
  • Middle initial present, but does not appear on your card.
  • Middle name not present, but appears on your card.
  • Middle name present, but does not appear on your card.  Business credit card. Company names can either be a first or last name depending on how your issuing bank set it up.  Most business credit cards use the company name as the first name and the name on the card as the last name.  When placing the order with us, enter the company name as the First Name, and your first AND last name as the last name.
  • Address is different than what you entered.  You use a Post Office Box instead of a physical address.  You use a physical address instead of a Post Office Box.  Sometimes addresses such as 123 E. Main St. are kicked back because the address on your card was originally put in as 123 East Main St., 123 E. Main Street, or a combination of the examples.  This is rare, but does happen.  
  • Zip Code does not match the State you entered.
Example 4
(YNYM) shows us correct name, a partial wrong address, and a correct CVV. 
Several examples of the N could be:
  • Address is different than what you entered.
  • You use a Post Office Box instead of a physical address.
  • You use a physical address instead of a Post Office Box.
  • Sometimes addresses such as 123 E. Main St. are kicked back because the address on your card was originally put in as 123 East Main St., 123 E. Main Street, or a combination of the examples.

Example 5
(YYYN) shows us correct name, a correct billing address, and a wrong CVV or expiration date. 
You will be notified via email to redo your order with the correct info.  These orders automatically get deleted.
Several examples of the N could be:

  • People don't know what a CVV number is and put in anything.
  • Card is worn and number is not readable.
  • Possible scam.  This is the only number that will not show up on a credit card imprint.  Scammers can usually get all the correct billing information, but not the CVV number.  This is the reason CVV numbers are now used.  Scammers are now getting CVV numbers and using them to place fraudulent orders.  This is one of the main reasons we implemented this new policy.  NO order will be taken without a correct CVV number.  NO EXCEPTIONS.

We want your business and will do everything possible to earn your business.  We will answer your questions, take your order, process your order and ship your order.  We will try and remedy any issues that come along.  However, we will not spend a lot of time fixing something that you entered or supplied incorrectly. 

Please take the time to input all information accurately. 
Inaccurate information will only delay your order.
 


Made with Pride in the U.S.A.

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