How fraud can occur.
There are many businesses on the Internet that accept credit cards to pay for merchandise or services. The Internet would not be the booming marketplace it is today without the ease of paying by credit card. Unfortunately, criminals have learned how easy it is to take advantage of this marketplace by committing credit card fraud.

Credit card companies and banks have instituted some safeguards in an attempt to limit credit card fraud. Some of these safeguards include verification of the account holder's name and billing address. Many credit cards also have a card verification number that is printed on the card. While these security measures have helped to limit credit card fraud, it is still possible for fraud to occur even with these safeguards.

There have been situations where bank account information has been obtained from the records of legitimate businesses by criminals. If a criminal obtains this information, it is either used for themselves or they provide it to others. In these situations, the normal security information, such as billing address and card verification number, would not stop fraud from occurring.

Helping to stop fraud.
In many ways, transactions at CDavis Enterprises are less susceptible to fraud, when compared to large companies with automated transaction systems. This is because each CDavis Enterprises transaction is reviewed by a person before authorizing a credit card charge. Our system does not automatically charge your credit card when an order is placed. We have the opportunity to question a transaction that does not look legitimate. Automated systems will generally complete a credit card transaction, as long as all the security information matches the bank's information. If a criminal possesses all the security information, an automated system cannot tell the difference between a legitimate transaction and a fraudulent one.

Many large companies keep their customer information in on-line databases that could be compromised. Customer information at CDavis Enterprises is not kept in an on-line database. When our customers enter their credit card information for billing, the information is entered into an SSL (Secure Sockets Layer) form. This information remains on the same server and is received by us using the same SSL protocol. Once the information has been downloaded, it is deleted from the server. When the credit card transaction is completed, the credit card information is deleted as well. Subsequent charges require transaction information to be re-entered. Since the credit card information is not saved, there are no automatic charges.

Our transaction forms include the logging of the customer's IP address. The IP address is your computer's unique address while you are connected to the Internet. For each transaction, we compare the credit card information with the geographic location where the transaction originates. An example of a suspicious transaction might be one using a credit card with a billing address in the United States and an IP address located in Europe. Suspicious transactions are verified with the bank or credit card holder before the transaction is completed.

If you have any questions concerning the security of transactions at CDavis Enterprises, feel free to contact us by calling toll-free 877-810-0250. You will receive a prompt reply. You are also welcome to contact some of our clients by checking the Clients page.