Accepting credit cards is a risk that all online merchants take. Even if a charge gets approved, you are not guaranteed that you will get the money. A customer can claim that they never authorized the charge, or that the never ordered the item. The purchase could have be made with a stolen credit card or with a credit card number hacked from a bankcard center database. The customer can claim that they never received the item. Without having proof that the customer actually authorized that transaction and received your product, almost ANY credit card transaction can be reversed.

When a chargeback happens, the merchant's problems are only beginning. The merchandise is being used by someone who got it for free. The merchant bank reverses the transaction, taking the amount of the sale out of the merchant's bank account, without asking or telling, plus they hit the merchant with a fee of up to $35. Even worse, if the merchant averages a 1% chargeback rate for a couple months, their ability to accept credit cards could be permanently terminated.

So, what is an online merchant supposed to do to prevent chargebacks? Simple. A new fraud screening service being offered by Point of Sale Systems significantly reduces the risk of e-commerce chargebacks, and when one happens, the merchant is fully reimbursed within 7 to 14 days, guaranteed.

The fraud screen system provides the most up-to-date and advanced scoring system online today, meeting the needs of all businesses from today's small Internet business to the most advanced e-commerce sites. Using our network, all credit card transactions are screened for any fraud history or suspicious activity. Here are some of the benefits that we offer to merchants:

• Credit Card Validation
  High risk bin checks, chargeback history, repeat ordering, and over 20 credit card checks are included.
• High Risk Internet Users
  Free e-mail database checks, advanced e-mail checking, MX record, SMTP checking, open proxies, known spammers and over 50 user-related checks are also included.
• Advanced Geo Targeting
  From zip code to telephone number validation, the fraud screening system provides the most advanced targeting online today.

Flexibility
The e-commerce fraud screen system was designed for all users, from the novice webmaster to the skilled software engineer. We provide four easy-to-implement options for a more advanced application protocol interface for remote application integration:

• API (Application Protocol Interface)
  Submit any application into the secure SafeCharge API.
• Direct Link to our Network
  Link your order form directly to the fraud screening system, providing hidden link-back options for your order validation system.
• Virtual Terminal
  Process transactions directly via the secure POS Virtual Terminal.
• Uploadable Transactions
  Submit transactions in batch through the POS Merchant Online Interface.

Take Charges Safely Worldwide
Point of Sale Systems lets you safely accept credit cards from over 146 different countries, letting you expand your sales base without the risk of fraudulent sales. The e-commerce fraud screening system also supports over 174 different currencies, making it easy to sell worldwide. 

Merchant Support
All merchants receive toll–free, 24/7 technical support every day of the year by the merchant service provider. In addition, merchants receive access to the most comprehensive knowledge base in the industry today, with hundreds of questions updated daily.

Affordable Pricing
The e-commerce fraud screen service costs only 1.8% of each successfully processed transaction. If a transaction is declined for fraud, you pay nothing. If you still receive a chargeback, our merchant provider will reimburse 100% of the chargeback within 7 to 14 days, guaranteed! There are NO application fees or statement fees to use this service

Patent Pending Scoring Methodology
The e-commerce fraud-scoring system is based on over 100 checks and cross-checks using the most up-to-date and audited series of databases online today.

Start Accepting Credit Cards With Confidence Today!
To get started using the Point of Sale e-commerce fraud screening network to process your credit cards, click and fill out this simple questionnaire and submit it. You will be contacted to go over the quick application and integration process.