Square Payment Module for Zen Cart [Support Thread]

[mrsawyer]

I logged into my Square account and used the Square Virtual Terminal 11 days ago. Much to my surprise, when using a zipcode that does not match the credit card address, Square approved the payment! I then tried doing a similar transaction on my site, checking out with the Square Plugin. Again, Square approved the purchase even though the billing address had no relation to the credit card used. I contacted Square about this, who informed me that they DO validate the billing address before approving purchases. They noted the two transactions and have claimed to be sending the issue to their API team and their Virtual Terminal payment engineering team to have a look. It has been 11 days, and still no progress. Perhaps some users of the Square service should run their own tests with unverified billing addresses and also notify Square of the discrepancy in what they claim they do, and actually do.

[mrsawyer]

I logged into my Square account and used the Square Virtual Terminal 11 days ago. Much to my surprise, when using a zipcode that does not match the credit card address, Square approved the payment! I then tried doing a similar transaction on my site, checking out with the Square Plugin. Again, Square approved the purchase even though the billing address had no relation to the credit card used. I contacted Square about this, who informed me that they DO validate the billing address before approving purchases. They noted the two transactions and have claimed to be sending the issue to their API team and their Virtual Terminal payment engineering team to have a look. It has been 11 days, and still no progress. Perhaps some users of the Square service should run their own tests with unverified billing addresses and also notify Square of the discrepancy in what they claim they do, and actually do.

I finally heard from a manager at Square yesterday. It turns out that the customer service person who told me that Square verifies a match between billing address and credit card information was wrong. The manager says that Square DOES NOT verify this information for their API, nor their Virtual Terminal.

Does anyone know of a card processor with no monthly fees that verify a match between the credit card number and the billing address of the order? I thought PayPal did, but they only verify info for a PayPal card.

Thanks...

[DrByte]

Does anyone know of a card processor with no monthly fees that verify a match between the credit card number and the billing address of the order?

Sounds like you're dealing with high-fraud-risk transactions?
Maybe you need to explore a service like MaxMind MinFraud, which gives you a score about the transaction, including indicators related to their address.

It works with all payment modules. Er, agnostic of the payment module. The store still takes the order and payment. You decide whether you refund it or fulfill it.

[RixStix]

I finally heard from a manager at Square yesterday. It turns out that the customer service person who told me that Square verifies a match between billing address and credit card information was wrong. The manager says that Square DOES NOT verify this information for their API, nor their Virtual Terminal.

Looks like Square can do it. Screen capture from within our account. Or did you mean something different?
Our rule is set to 'Trigger a risk alert'. The other option is to "BLOCK" the payment.

Does anyone know of a card processor with no monthly fees that verify a match between the credit card number and the billing address of the order? I thought PayPal did, but they only verify info for a PayPal card.

Thanks...

I've never heard of anyone processing credit card transactions without fees.

[gilby]

I've never heard of anyone processing credit card transactions without fees.

There are fees on the transactions.
He means there is NO monthly (access) fees