PayPal BrainTree Discussion & Opinion needed!
Posted: Fri Aug 09, 2024 9:10 pm
Hi everyone
Hope all is well with everyone, just wanted to get expert opinion on the PayPal Braintree for OpenCart. I currently run OpenCart version 3.0.3.2 and the extension works great and has been running great for years. I guess the question is more related to PayPal Braintree and setting it up as best as possible for OpenCart and to prevent fraud/chargebacks.
I know chargeback and fraud transactions are not 100% avoidable.
Right now, in my Braintree I have under "Fraud Management"
"Fraud Protection Basic" ENABLED.
If you go a little up , under "Basic" where you have "AVS" & CVV"
For CVV is enabled for all Transactions
Now under "AVS" here is where it gets confusing and lies my question...
For "Postal Code" & "Street Address" I have both ENBALED, so if both do NOT Match, the transaction gets rejected.
The problem with this, is if the customer makes an error on the way they enter their billing address, like the number and street name. The transaction gets rejected.
When I look at my transactions for the day in BrainTree, I can see some folks tried 3-5 times and the Gateway just rejects them every time and the reason is 99% of the time the Street Address entered does NOT Match.
So for some time, under Fraud Management for "AVS" I changed it to only reject if both the Street Address and Postal Code do NOT match. But then I run into the possibility of having more Fraud Transactions/ Chargebacks...
How do you folks that use BrainTree for OpenCart have these particular settings set too??
One last question, do most people (Merchants) allow customers to have both Billing address and Shipping address being different or do most of you out there ship the products only to the Billing address entered?
Just trying to see what other Merchants out there use or have in setup and see which is the best possible setting to avoid Fraud/Chargebacks.
Again, I know that Fraud transactions and Chargebacks are not 100% avoidable, been in business since 1999...
Looking forward to your opinion/s.
Frank V
Hope all is well with everyone, just wanted to get expert opinion on the PayPal Braintree for OpenCart. I currently run OpenCart version 3.0.3.2 and the extension works great and has been running great for years. I guess the question is more related to PayPal Braintree and setting it up as best as possible for OpenCart and to prevent fraud/chargebacks.
I know chargeback and fraud transactions are not 100% avoidable.
Right now, in my Braintree I have under "Fraud Management"
"Fraud Protection Basic" ENABLED.
If you go a little up , under "Basic" where you have "AVS" & CVV"
For CVV is enabled for all Transactions
Now under "AVS" here is where it gets confusing and lies my question...
For "Postal Code" & "Street Address" I have both ENBALED, so if both do NOT Match, the transaction gets rejected.
The problem with this, is if the customer makes an error on the way they enter their billing address, like the number and street name. The transaction gets rejected.
When I look at my transactions for the day in BrainTree, I can see some folks tried 3-5 times and the Gateway just rejects them every time and the reason is 99% of the time the Street Address entered does NOT Match.
So for some time, under Fraud Management for "AVS" I changed it to only reject if both the Street Address and Postal Code do NOT match. But then I run into the possibility of having more Fraud Transactions/ Chargebacks...
How do you folks that use BrainTree for OpenCart have these particular settings set too??
One last question, do most people (Merchants) allow customers to have both Billing address and Shipping address being different or do most of you out there ship the products only to the Billing address entered?
Just trying to see what other Merchants out there use or have in setup and see which is the best possible setting to avoid Fraud/Chargebacks.
Again, I know that Fraud transactions and Chargebacks are not 100% avoidable, been in business since 1999...
Looking forward to your opinion/s.
Frank V