I like Maxmind. If there is a problem it normally alerts us with the details. I can say it has helped us when frauds to come in. And in this business it is not IF it is When. I think most companies can agree that any help in detecting fraud is good. It gives you a point scale to base some information on. If a user puts a Colorado address but the IP is in New York it throughs up a flag so that you can look into it and make a healthy choice.