Hostgator recently require customer calling and credit card faxing verification to avoid fraud.

MaxMind is good, but if the email is from a free email provider such as gmail (gasp), orders get marked as fraud. MaxMind can be quite annoying at times, but it has also been extremely useful

That does not happen to me using WHMCS.

You can disable this in your MaxMind settings.

Making a telephone is the best way for fraud verification. If you analyze each order closely including phone calls. You may avoid up to 99% fraud orders and hence charge backs.