Shipping to a shipping address instead of a Credit Card Billing Address

Shipping to a shipping address instead of a Credit Card Billing Address

dannyshane
Tourist
5 0 0

Hello, 

In the past I used magento and through the years lost thousands due to 'friendly fraud' ( I think its called).   a customer buys a product, but has a different shipping address than his cc billing address. He gets the product and then files a chargeback and says he never received the product.  

 

The credit card companies favor them automatically if teh product did not get sent to their billing address. 

So on Magento, I disabled the 'shipping' field and used AVS to decline all transactions that did not use an address that matched the CC billing address. Thats annoying I know. 

 

Anyway, now I just launched  a store on Shopify.  and I dont see how to do any of this here. 

 

Do any other sellers have this issue?  

Do sellers typically allow products to be shipped to a different address? 

DO you use some other fraud tool to help reduce fraud?

is there even a tool that will allow us to ship to a 'shipping address' (instead of cc billing address) and then still protect us from the chargeback if they file one?

 

Ok, thanks for your time. just trying to get a grip on this before i catch a charge... back.  lol  🙂

 

Replies 7 (7)

AnotherShop
Tourist
3 0 3

From what I've seen and read, this just isn't possible any longer.  It's a big problem honestly because we ship very high end expensive items and we simply can't take this risk.  The only option we have right now is to not capture the payment automatically at checkout.  We then review each order to verify before accepting it and if it doesn't match, we then contact the customer to see how they want to handle it.

dannyshane
Tourist
5 0 0

Thanks for the reply.  damn, That seems like a pain and not effecient to have to inspect each order every day and definitely will slow order processing and shipping down - having to wait for customers to reach back. but unless someone else writes in, I guess thats what we're left doing.  but i just cant imagine this is the only solution. Thanks for your feedback. I appreciate it. 

AnotherShop
Tourist
3 0 3

The only other option is that you can apply a bit of customization to the checkout page and state explicitly that you only ship to Billing Address.  You can modify several of the text fields in Settings->Themes-> (Press ...)->Edit Default Theme Content   You can filter for words like "address" and "ship" to see the available fields and play with your checkout page to build a message that helps limit the honest people from trying to place an order to another address but you can't actually force the system to "Ship to Billing Address" any longer.

 

It's a real shame because many of us have a lot of time and effort invested with a platform that has now willfully chosen to encourage fraud with this policy and actually makes it more difficult for store owners to protect themselves and follow the Merchant Rules for Visa / Mastercard.  Hopefully enough Shopify Store Owners will speak up and they will make a change.

dannyshane
Tourist
5 0 0

7/12/24 Update.  I think Im close. lol.  I have two sites.. one on Magento and the other on Shopify...   both use STRIPE as their card processor.  IN Magento, I actually get the login for my STRIPE account and am able to create fraud rules etc.  So for my Magento site, I login to STRIPE and I added a rule to auto decline any transactions where the AVS failed on "street address". (you can auto decline it or set it for review).  

In case anyone wants it, the Rule is:   Block if :address_line1_check: = 'fail'

 

Although it says "address", it really only checks the house number.  (I did lots of testing).  and that is perfect because people misspell their streets often... street, st, st.  etc.. or even merge the two words into one like maple hill or maplehill.

 

So with that rule, STRIPE will decline all transactions in which the "house number" does not match the house number on their card. Fraud prevented.  🙂   and i just check Stripe every now and then for the AVS failed declined transactions,  and I email those customers personally and ask them to checkout via paypal (since paypal has seller protection even for a different shipping address). 

So all is good on the magento site.  (and it doesnt happen too often.. maybe once a week.)

 

Now for SHOPIFY,  as far as I know, we cant login to our STRIPE account and setup that rule.  I wish we could.  If anyone knows how to get access to our shopify STRIPE account, then please let me know because I would just add that same exact fraud rule. 

JohnSmith6
Shopify Partner
7 2 4

I believe the option is always available for you to config in Checkout. Settings -> Checkout -> Scroll down

JohnSmith6_0-1720751986614.png

 

 
Require shipping and billing address to match.
AnotherShop
Tourist
3 0 3

Sorry but this isn't correct... This option hasn't been available for many years now in the standard versions.  Where did you get this screenshot?

dannyshane
Tourist
5 0 0

AnotherShop is correct, this isnt an option anymore.  Now it shows a checkbox for :

"Use the shipping address as the billing address by default. The billing address can still be edited".

 

So a visitor can still ship an item to a different address (and therefor win a chargeback dispute).