Preventing Fraudulent Ecommerce Transactions

What’s up everybody? It’s Justin live from B2B Vault, the Payment Technology Podcast sponsored by Nationwide Payment Systems, with your hosts Allen Kopelman, and we’ll be providing you educational information regarding small business, FinTech, payment processing, and the technology businesses are using in today’s world.

And in today’s podcast, we’ll be talking about fraudulent. ECommerce transactions and what businesses can do to try to prevent or at least monitor or, stop then things from continuously happening once they’ve already happened. What you should do if your site has been hacked or maybe you’ve noticed that there’s a bunch of transactions that you don.

He have no clue where they came from. There’s a lot of things going on l lots of different ways of being scammed on the internet. Hackers are getting smarter, not dumb. It’s definitely something that, you know, especially if you’re a small business, medium sized business or a large business, you would you, you would be hard pressed into letting that stuff just go your website maintenance and all that other stuff.

There’s so many different ways of getting you. your stuff taken you, I can’t even tell you. So Alan’s got some stuff he wants to talk about in regards to it and he’s got some stories to tell. I’m sure. . Yeah. So yeah, there’s just been an increase in what we call, people do going to a website and trying to make a purchase with a real credit card.

It’s not their credit card, so you’ve got to be vigilant. We recently had a few of these go on. One couple were small and one was quite large over about a hundred thousand transactions. We had another one for 25,000 transactions and another one that. Small and merchants need to understand what they need to do.

So we had one place where it’s a e-commerce site. Somebody got onto the site and they were doing it almost every day where they were. Making a purchase, and then they check the purchases to see the shipping addresses. , like an actual home or a business. Which is good. So they’re being vigilant on that.

But then the employee that was in charge of fixing, like voiding the transaction out, instead of avoiding it, he just removed it from the shopping cart instead of logging into the gateway and then clicking void. I don’t know what you’re talking about. Oh, so when you, So like When a transaction gets approved, it’s approved, but then it doesn’t batch out till the at night.

Okay. So when the batch goes through after that, then you gotta do a refund. If you don’t do a refund, then somebody’s gonna do a charge back, and then you’re gonna have a charge back on your record and you’re gonna get, obviously you got paid the money you’re talking about in store. And what do you mean in store?

I could, No, on a website. So let’s say you went on a website and you made a purchase with a fake credit card and then I caught it. I caught the purchase. I go, Oh, this is not good. Okay. Some guy just tried to buy a thousand dollars worth of gift cards off my website. We that it’s a fake transaction and then that right action needs to be taken.

Once you see that you have a fraudulent transaction. But how would you know this fraudulent though? They’re check, they, a lot of merchants that ship quite a bit of things. The, they check the address. Using maybe like white pages or other plugins that they have on their back end of their system so they can see is that a house?

I’m just just just being the devil’s advocate for the small business owner here. They wanna see is that like I get people that call me, How the hell does he have time to do all that? They got employees. You gotta a small business owner. Yeah. Has a bunch of employees. No, just maybe one employee. And if the address doesn’t look right, like they see on an e-commerce.

Y they have a retail store with an e-commerce shop. So they have employees in charge of somebody’s shipping the goods out. Listen, I have single, I’ve been building websites for 10 years. Okay. When I’m building a site for e-commerce guys. Yeah. It’s one person. But I’m just saying if you’re gonna ship it out and you see an address and it says, Oh, Suite 2 0 1, right?

You wanna make sure Oh, is that a business or am I sending it to a UPS store or some kind of mailbox? I I get what you’re saying, but I think there’s a lot of that’s difficult to do for a one man show. They need to be checking it because that’s where 99% of your fraud comes from. I.

The crazy thing is 99% of eCommerce fraud is somebody using a fake credit card, shipping it to some kind of UPS store or some office mailbox place, right? Someone goes in and picks it up, That’s it’s done. Then there’s a chargeback and then you’re out your goods and your. You have to come up with the ways to check these to check these addresses, especially if it’s a large order.

Like recently, we just had one guy, somebody placed an order for a hundred dollars, then they placed another order for $200 and they shipped it out. The employee shipping out the stuff did not check the address. Then the third time, the guy ordered $3,000 worth of stuff, and they shipped it again without checking the address.

All three came back as a chargeback. When they checked the address, it was some freight forwarding place. So what happened was, is the package got there, the freight forwarding place. Obviously they don’t know that the person is a scammer, received the box and then shipped it somewhere else. I, I don’t like that this falls on a small business owner.

It’s, it happens to small businesses every day, but I know all the time, so if it’s a fake credit, , Why is it even being, How can it. Processed because the person who doesn’t know that they got their credit card information hacked, they’re not, they don’t know. So they don’t know that their information was taken.

Somebody might have got a pic, maybe they went to a restaurant, someone took a picture front and back of their credit card cuz the place isn’t using like pay at the table technology. Someone snapped a picture of the front and the back and then. They got the person’s name, looked up their address, and then made a fake purchase and then had shipped to another address, and then the person’s not checking their credit card bill all the time, man, It’s, I’m sorry, small business owners that you gotta go through all this, but yeah, it’s horrible.

But it’s you have this place that, that an employee that’s like packing the stuff up and shipping it and the person’s supposed to check, but he’s supposed to check the address. Yeah. How is he supposed to check the address? First of all, when you get, when you’re doing a transaction, you’re gonna have an AVS response and a ZIP response, so the avs, But if it goes through with the right zip, then how are you?

How would you ever know that it’s not the right address, but maybe they’re shipping to a different address. I do that all the time. The websites, So when you say that you wanna ship to a different address, what are they gonna say? No, some places do, depending on the size of the transaction. Obviously 102 hundred’s not gonna put up a flag, but 3000 is, 3000 units of anything would, and you’re a small business, how often? Office didn’t come today, right? No, but I’m saying how often is somebody ordering 3000? Yeah. That would be a flag, right? I. I don’t know. I, but for me, when you’re setting up an e-commerce store Yeah. You have a limit that you can set.

I get that. Per purchase. No. Like transactions in a period of time. A velocity limit. Exactly. So if you don’t have the proper developer setting that stuff, I feel bad for you. You that’s, this is just one of those things where every, like small business owners are always trying to wear every hat.

They want to be the developer. They want to be the designer. They want to be the graphic designer. They want to be the marketing guy. They want to be the social media guy. They want to be the content creator. They want to be the videographer. They want to go shoot the photos. They want to be the da.

You, you obviously can’t wear, I can’t wear all those hats. That’s why I have employees. Yeah. No, but at the same time, some businesses, they have employees and that, the person in charge of shipping needs to look at the address and go, Hey, we only ship to businesses and this is going to some freight forwarding warehouse.

You’re gonna get scam. I had a merchant one time and somebody ordered two pairs of shoes. They shipped it to the guy. Then the guy called up and he ordered like 50 pairs of shoes, and then they called me on the phone and I said, Listen, you’re gonna, that’s gonna be a chargeback. There’s no way it’s going to a UPS store.

That’s a known that two biggest things to get chargeback is shipping to a UPS store or some office suite place. That’s one. And the second biggest one is freight forwarders. Freight forward. What’s a freight forwarder? Oh, freight forwarder is, let’s say I call you up a fr you have a warehouse and you receive goods for businesses, and maybe those businesses are in house, Could be legit.

, but it’s at somebody, Maybe it’s at a house and they’re gonna get like something large and they’re gonna come over there and pick it up with their truck. Or maybe it doesn’t fit in their business, or maybe they’re shipping it out of the country or whatever they’re doing with it. But freight forwarding is a huge scam.

It’s a problem. So anytime somebody’s trying to buy something from you and then they say, Oh, a freight forwarder’s gonna come pick it up. Or your an, you look at the shipping address and it’s going to a freight forwarder I would think. 90% of the time, that’s probably you’re gonna get scammed. The same thing with UPS stores.

If I told you in 20 years how many times I’ve heard from a merchant where they ship stuff to a UPS store and then at a huge chargeback of a thousand, 3005, 20,000, 30,000. Once a guy selling computers got jammed up for 30 grand shipping to a UPS store, done the stuff was gone. No way to track who the person is.

It’s terrible. Yeah, it’s terrible. But businesses have to figure it out. I wish like UPS or FedEx you’re using the, like a shipping software. I wish that it somehow said, Hey. Look it like popped up like a little button so you could look at, see what address that is. Is that a good address or not?

but they don’t do that. And and it’s not good. And there’s a lot of, there’s just a lot of scammy stuff going on. Or, you have another incident that happened recently where somebody had on a website where you could. A donation. And the donation amount. I told them they should make a minimum donation amount.

They didn’t want to do that. They said, What if someone wants to donate a dollar? I said, Then make it a dollar. And what happened was somebody found the website, how? I don’t know. They wrote a script and then they ran about 30,000 credit cards on there for a penny. And then what ends up happening is, the credit card processor maybe can show a little bit of , a little bit of charity towards the business owner and not charge ’em for all the transaction fees, right?

Or maybe cut it down whatever they were paying. But the gateway is not gonna do that. If you had 30,000 transactions at a dime, that’s gonna be 3000 bucks. Of costs coming your way because every time there’s a transaction, there’s an email, there’s something that needs to be fixed there, right? The first of all, the merchant, we told them to have velocity settings on the website, on their website.

Not just on the, not just in the gateway, but also on the website. So the gateways have velocity settings, so you can put in there 10 transactions an hour. Running transactions a day, you can have, those kind of velocity settings. Plus you can have it in your shopping cart too, which you should have it set on both.

And then the other thing is that, and you should set your limit for, like you can say that, you’re, you can only put. $2,000 of product into your cart, whatever it is. I don’t know. You can limit that amount too, right? So you’re not responsible for. Whatever. Yeah, and you just need to have an idea, like if the average person, if the average charge on your website is let’s say 200 bucks or a hundred dollars, and then someone orders three, four, $5,000 worth of product.

Okay. It’s worth like taking that the time. It’s definitely worth taking your time, taking the time. Google the address and see where that’s going. And making sure Hey, what was the AVS response? What was the zip code response? Did they put in the CVV two numbers? I don’t know if they know. Most people aren’t gonna know what that is, Alan?

In the gate, I try to train them. When I train people, I’d say, Look, in the gateway, there’s a lot of settings in there for like how transactions flow. And I try to train. Try, we can only train people how to use the available tools. But you’re assuming that these people are gonna do that?

I try. We explain it to them and we hope that they’re gonna do it, we hope. And the other thing is you’re getting an email every time someone does a transaction. You would assume. No, you are who that’s going to needs to be somebody. That’s what I mean by that, right? You would assume that you’re the business owner is getting somebody an email.

Yeah. Somebody, the business owner and whoever else is supposed to be in charge of the website should, if all of a sudden they see a ton of emails coming through, right? That’s time to pull the plug on the website and shut that thing down because someone is doing. Some kind of attack. And what are these attacks?

They’re testing card numbers to see if they’re good. , they could be testing a bin number, which is the first, when you see a credit card, you have the first four digits, and then there’s four sets of four digits, for Visa, MasterCard, American Express has an extra digit or one less, I don’t remember, but the first six identifies the.

So sometimes they just wanna see if they can exploit somebody’s bin and they’ll make a bunch of random numbers after the first six when they think they have some, a bin that might be at a bank that’s not monitoring their bin. And there’s so many not can, if you compare United States, like Canada, Europe, Australia, and those countries that have maybe 10 credit card issuers, right?

Europe has a few more than that, but they don’t have like in the US. Tens of thousands of credit card issuers. So there’s all these bins and then you have what they call the, a brute force attack. Or you could have a fishing attack where somebody says maybe you use invoicing software.

Somebody says, Oh yeah, I need to pay my invoice, blah, blah, blah. Send me that link. And then you send out the link thinking that’s one of your customers. Meanwhile, they hacked your email or something, right? And then you send them the link to paying an invoice, and then they run a bot on it. And you could have thousands and thousands of transactions.

We have one we’re dealing with now. It’s almost a hundred thousand transactions. I had to call the bank. I said, Get the risk department on the phone. We gotta stop the batch. It was just an insane amount of transactions. I, when I saw it, my, I almost like my heart stopped cuz nobody wants to deal with that.

Thank God it’s a very large company. They’re gonna be slightly upset, but, We’re going to do what we can. Who fault is they’re not, Somebody is not assigned to monitor the website and or the person who’s supposed to be set monitoring the security on the site. Not nobody monitored it. Nobody, That’s the part.

Most of the time that’s what happens. Somebody sees these emails coming into their email. They ignore it or they don’t look at it over the weekend or whatever it is, and it, and then the problem happens, and I’ve seen it happen probably a couple a dozen times in 20 years, and Somebody gets on there and they’re getting really smart.

Cuz I was talking to the security department this morning and they were like, they put capture controls, like on the checkout process. . And they go, they don’t know how these guys are doing it. They’re using different IP addresses for each transaction and rolling these ips.

It’s easy now. I got they as soon as they made it, AI. It, you run a script, they know click on all the bicycles. It’s got keywords built into the script, bicycles, so it just clicks every image that has a bicycle in it. It’s not I don’t know, man. Yeah, it’s crazy, but whatever. They figured out a way now to get around cap.

Which is insane. I wish that they would just go to the system like Europe uses where somebody does a transaction and it forces a text message to go to the owner’s credit card, and then the transaction doesn’t go through. I don’t know why. United States of America, Visa and MasterCard of the United States and all the gateways out there, I don’t know why.

Step has not been added. The only company that has it is Shopify. Like when you make a purchase on Shopify, it sends you a code to your phone. You have to put it in so someone tries to Google Pay. Does that? Yeah, and also like Apple Pay sends a little thing to your phone. You have to do that to, okay, you have to put your face to the phone or whatever.

I wouldn’t, I don’t know. No, I’m just saying whatever you have on your phone, but you have to, you’ve got to figure out how to mo, You gotta set up monitoring for your website. You just can’t go along and not have somebody monitoring the email address that’s attached to the website. I Look, when you leave your house, Do you lock your door?

Yeah, I lock my door. So when you leave your website, unlocked, in a sense, what do you think is gonna happen? So yeah, the e-commerce thing is, it’s always I don. I’ve actually like in web development, personally, I’ve been one of those guys who of stays away from it if the project isn’t right, because I know that the budget ends up being right.

Nothing, and it’s a big waste of time. And, but yeah, these bigger projects that I’ve put together definitely have been made a point of letting them know that you have to pay for mainten. You have to pay for a maintenance plan after this. They were selling one of the companies, they’re selling audio equipment and there was products that were $5,000 on there.

You know what I mean? Yeah. So they understood. They got it. They were veterans of the music and audio equipment industry, so they understood like that’s not their first big website, but, for a artist for instance they don’t think that it’s that important.

They think that not, maybe that it’s not that important or that it’s not like high on their to-do list. They might think, who’s going to attack my, my, Exactly. But as soon as they see that weakness in, whatever content management system you’re using, it’s just like a green. For everyone to come and if they see a weakness, they’re gonna tell everybody about it too.

It’s not like just, Oh, I’m gonna hold onto this. No. They’re gonna pass that around until you figure out what’s going on. Yeah. By that it’s too late. Yeah, cuz they’re gonna go, they’re gonna go nuts. On this one website, they did a few hundred transactions and then the next day they did almost a hundred thousand transactions.

When I saw it this, how did the website, how would you even, I’m disappointed in whoever’s running that. No. Whoever their IT person is. And whoever’s monitoring the email from that site is either he was very unhappy and they weren’t paying him enough, or they just said, Forget it. . I don’t know, dude, that’s crazy.

I’m sorry. Yeah, it it scared me because I, and I don’t like to pass blame or ask any questions, I said Who monitors that? And the people were like, What does that mean? They didn’t know, They didn’t answer me. I go to somebody monitor the email account on this website.

Every time there’s a transaction, somebody needs to be, that email needs to go to if it’s not going to, if it’s going, if it needs to go to three or four people, set it up so it goes to three or four people. If, so this is, I don’t know, yeah. They’re just assuming here. I’m not even assuming If they had run a script on it, wouldn’t they had just made that bounce back to them so that they would’ve not known that this was happening?

No, because when the, every time you do a transaction, the gateway sends an admin send an email. Yeah. Sends an email to whoever’s on the admin side. No, I get that. I’m just thinking like on the website though, like So if you’re. I don’t know I’m not a hacker, so I don’t know how this works, right?

So like in my mind, if I was hacking your website and I was trying to run a hundred thousand transactions, I would make it seem like it was never happening. Does make sense? You You could make it seem like it’s not happening. Maybe if somebody’s monitoring the traffic to the site, they would’ve also saw a ton of traffic coming into the website.

I don’t know how, I have no idea what this, these people, how these people monitor their websites. Okay? I’m not just telling you we don’t sit down with somebody go, Oh, how do you monitor your website? You don’t ask, We don’t ask to have question. We just explain to them, Hey, you need to set these things up, and you gotta make sure that on the back, If you see something, we try to educate them.

, listen, if you own a eCommerce website, you should have the email set up that whoever’s in charge of your website, maybe it’s the owner, maybe there’s one or two other people, that they’re all getting these email. And then all of a sudden, if you see a flurry of emails coming in of transactions decline, a whole bunch of transactions, and that’s not supposed to be happening.

You pick up your phone on the weekend, you go, Ooh, there’s a whole bunch of transactions. There needs to be like a phone number to call and say, Hey, shut the website down. I’m guessing someone at that company realized like, Yo, we just sold a hundred thousand units this weekend. What’s going. . I don’t know.

That’s what I’m saying. That’s what I’m saying. And so I can’t stand lazy people. It’s not that. I don’t know. I don’t know if it’s lazy. I think it’s more I think it’s just that people don’t think it’s gonna happen to them. It’s being lazy. You can make an excuse for it all.

I’m just saying. They don’t think it’s gonna happen to them and somebody’s not vigilantly checking that email account being. We’ll call. I don’t want to point fingers at anybody. Point fingers at all. You listen. , nevermind. I know, you gotta watch for these things and you also have to watch for it.

We’re coming into, now what? We’re in October, we got November coming up. December. Christmas shopping is gonna start. This is when fraud is gonna be at its highest. The highest time of the year the fraud serves are gonna come. Especially, we just had hurricane here in Florida. We’re gonna hear all kinds of crazy stories about people getting ripped off with the people are already trying to rip off the government.

So yeah, ripping off the government, filing fake claims, saying, they’re whatever. They maybe don’t even live there. And they found somebody I seen online, someone. , do you have your I, I hope you guys got your Florida addresses ready. I’m like, Dude, you’re just gonna scam your way through life.

Forever. Yeah. People will go file a claim, they’ll find an address on a map. They’ll say, Oh, that whole street got destroyed. And then they’ll find, file a FEMA claim. And then they’ll get it and they’ll say, I’ve moved in another state. I had a move. And then all of a sudden FEMA’s gonna go, just send them a check.

Willie nilly, I. I hope FEMA makes people do that thing. Like when I, to go do my taxes. Last year they had this new thing called ID dot the id. What I mean, had to answer all these questions and Id do me, Yeah, id.me. I hope FEMA’s using that so that they don’t get scammed. The public will get scammed out of millions of dollars like they did with everything else because they don’t have any controls on anything at the government.

But at the same time, this is the time of the year we’re coming up. If it, if you have a e-commerce website, start to think about, say, Hey, I’m gonna log into my gateway. No matter what gateway you’re using off.net NMI fluid pay, there’s a gazillion of them. Okay. There’s hundreds of gateways.

And make sure Oh, is there velocity settings in there? Are they turned. Is there velocity settings set up on my shopping cart software? Do I have security software that on my website that’s going to monitor? If there’s a whole bunch of traffic on there, right? 50,000 people went on my website and you don’t get that kind of business?

, Is there something that’s gonna set off an alarm and send somebody an email that’s gonna go shut down? You so you can go shut down your website or shut off your gateway or shut down your shopping cart so you don’t end up with a huge bill, cuz you’re gonna get whacked for 10 cents a transaction from the credit card processor because whatever, you’re being lazy or you don’t have something set up the same thing, you don’t want to get ripped off.

If somebody. Or end up with a bunch of chargebacks. Somebody comes on, your website orders three, four, $5,000 worth of goods, and your normal transaction size is 50 to a hundred bucks. Oh, you see that? Those large transactions, you should be saying, Hey, maybe we need to call this customer on the phone.

What is the address a legitimate address? I was telling Justin a story at a neighbor of mine that. , he came up from work after a business trip. He used to travel a lot. , I was telling you this story, and he lived on the end of the street, which was at the front of my community.

And somebody must have been watching this guy that he traveled a lot and they knew like his pattern, that he was gone for quite a bit. . And he didn’t have cameras outside his. And somebody, what they were doing was they would have stuff delivered to this guy’s house. They just knew probably wasn’t home during the day at least, right?

So they would’ve packages delivered by FedEx and UPS to this house and they were ordering rims, tires, all sorts of really expensive stuff and ups, and just throw this, leave it on the front porch. And because the guy lived in the front of the community, even though it was gate. There was like a gate you could walk through or they just went through the bushes right up to the guy’s front door.

No one could see them because they came through the bushes and then they just had a van parked on the other side of the bushes and they just took all this stuff and they were doing it for weeks and they must have hit somebody. Some they hit some automotive places. Of automotive, like supply. Okay.

Place like a bunch of times ordering like a lot of stuff. And that place, called the cops. And then the police were surveilling this house and. , they caught these guys and then my friend came home from work and there was, I was outside walking my dog and there was cops everywhere and he was like, What’s going on?

That’s crazy. I’m like what’s going on? Apparently whatever. There was a major ring going on. They weren’t just doing it at his house, they were doing it all over the neighborhoods. I lived in a big development area, so each small neighborhood had its own like gate to come in. . And these people must have been watching the houses to see oh, who’s not home at these houses that are like by the gate.

By the front gate. Criminals are smart man. And they were dropping stuff off all over the area. Over there, everywhere. And there was one community where there was just I think there were, like, there were. Like townhouses. And that one didn’t even have a gate on it. And they were just get packet, like porch pirates, but not really porch pirate cuz they weren’t stealing other people’s packages.

It’s crazy. They were getting stuff delivered deliberately to these addresses and then taking stuff cuz it was an area where people went to. So nobody’s like really home and you get a FedEx at, FedEx comes, let’s say 10 o’clock in the morning and everybody’s pretty good working.

Nobody’s around. Maybe only a few people, right? Yeah. And if it’s a house where the front door is kinda like obscured with bushes, like this guy’s house, boom, easy pigs easy. Yeah. They were just stealing stuff left. They were stealing stuff left and right at it, having it delivered and yeah, they finally caught the people.

Apparently it was into the hundreds and hundreds of. Of dollars, but you gotta be really careful if you have a website, you gotta make sure you have what site lock software on your site. I don’t know what other things you can have on WordPress. What kind of plugins? Justin? I use security and word fence.

They both have premium and free versions. There’s a lot of different tools that you can use. , your server should have some sort of site lock on it where it’s hosted at. You should definitely have backup subscription services to your website in case. a disaster like that happens.

What’s that? Backup subscription service? Just so that your website is the files, the database is being backed up. Oh, yeah. So then if it does get hacked, that you can restore it to the previous version of when it wasn’t hacked. My most important advice, like you can have all this stuff right, already installed. You can have every setting. , but if you don’t log into your, I’m talking WordPress. I’m a WordPress developer, and that’s what I am. That’s it. Yeah. WordPress is million. Most, a lot of websites use WordPress. Yeah. Especially entrepreneurs. So for WordPress in general, there’s a setting in there for you to auto update your plugins.

I don’t suggest that because, You’re, that plugin can auto update and then your site gets break broken because it’s not compatible with the theme you’re using or another plugin you’re using, or your server, your hosting provider isn’t ready for that version of it. There’s just a lot of variables. I don’t personally ever set.

I’ll never, I don’t, I personally don’t set auto update on all the stuff, right? There’s certain plugins I know that, that are real lightweight for the site that’ll do it. But my point is, you gotta log into the site daily. You can set a reminder in your phone and say, Hey, log in a B2 B vault, that info at 1215 this afternoon.

To check, click the update button, run the updates. Clear your cash. I don’t know, man. There’s a lot of things that you should do, but there’s one things that I just maintain your site. If you don’t have a money to pay someone like myself to manage your site like you should.

There’s a lot of videos on YouTube for you to watch. And use the velocity settings on the gateway and the velocity settings and the shopping cart and all. And that’s for sure. But yeah, man, just manage your website, updated regularly, always, never just think that it’s okay because it’s not, I don’t care what plugin that you have installed on WordPress it, nothing is foolproof.

And like I said earlier, hackers are getting smarter. They’re not getting stupider. It’s easier and easier for them to access our sites. So yeah, man, maintenance is key. That’s what I would say. That’s my advice. The security thing is, of course, that’s, crucial, a no brainer thing.

But the big thing, maintenance and monitoring of your website is monitoring your email from happening. Monitor your email. If you have an e-commerce website or you have a site where someone can go pay bills on. Monitor the email address. Somebody needs to be monitoring it, Pretty much, I don’t wanna say 24 hours a day, but it needs to be getting monitored.

If you’re a small business owner, you would pretty, I don’t know, man. I guess I’ve built different, I, yeah, I monitor my stuff. I care too much. Maybe, if I had a brick and mortar, I would have every security monitoring device there. Cameras everywhere, right? I have cameras on top of cameras, there’d be a camera going directly to my phone.

So with the website thing, like I’m always aware, right? Like I have a e, I have a, so the notification for like my personal email is different from all the other notifications. So if I know. A email comes from WordPress to me. I know that, Oh, this is from my site. I need to check that. Blue Host, my hosting provider, they have their own, so I know when, if I get an email from them, it’s like, Oh, that should pay attention to this because this is from, it’s just a, But that also, this also comes with 10 years of doing it. I’ve been fortunate and I have.

Many sites hacked, and none of ’em ever been an e-commerce site because I would take precautions for that. I just don’t want to deal with that problem. Dealing with it, the small amount of time is gonna take you to set up the preventative stuff is nothing in comparison of the time it’s gonna take to try to get you back up to where you were.

I’ve seen so many websites get hacked. They, they didn’t do what we’re telling, talking about there’s no maintenance going on. And then they call me and they’re like I need my site back and I can’t get you. What do you want me to do? Yeah. We had somebody remember that when you first started here?

We had somebody and what did they do? They didn’t renew their domain name, right? And then their site disappeared. We were just basically helping ’em maintain the site, but they didn’t want us to have to log in and all this stuff, right? So they went in, they didn’t pay the bill, and they called us on the phone and they go, Oh, the website.

The website disappeared. Thank goodness we had it hosted on a on a platform that had the site backed up. Oh, yeah. And then we were able to, they had to go pay for the domain name. Even though it expired, then we had to reconnect it to the site. Reconnect it to the nothing that was nothing.

No. But it was a few, couple of days of work. Yeah. To get it all back up and running and then, and then make a bunch of update changes and stuff. And then there was, we had to make a few changes because just the pain in the neck of. Finding. Yeah. Cause some of the info wasn’t backed up, or, I don’t know.

I wasn’t managing it. We don’t know because it wasn’t, It was during the pandemic, so we weren’t really paying attention. The site wasn’t being used. It was an informational site for an organization and They forgot to pay the bill. Okay. And then the website disappeared. So you gotta be careful with, your website, maintaining it and making sure that, that whoever, that somebody, that more than one person is looking at.

Those type of things like the orders, the order size, and different things like that. It’s very important. So if you need help with eCommerce, security, eCommerce merchant account, We want to learn more about what you could do to prevent fraud or at least try to prevent fraud. Cuz we can’t stop the hackers.

They’re just getting crazy right now. Is you can contact us. Click the word book. Oh no . Go to 9 5 4 8 2 7 9 8 1 8. And text. Text the word book right to 9 5 4 8 2 7 9 8 1 8 or head over to B2B Vault info. If you need an merchant account. Click apply now. There’s some questions for you to answer.

Hit the garage running right about 10 minutes. Yeah, man. Follow us on YouTube, Instagram, Facebook, Twitter, TikTok, LinkedIn at B2B Vault, the Payment Technology podcast. You can listen to us on Spotify, Pandora, iTunes, YouTube, Stitcher, iHeart. The list goes on and on. Wherever you listen to podcasts, we’re probably on there.

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