Only a real credit card will clear a actual bank, therefore a fake credit card will never make it in a pass state for whatever provider you are using... unless there is perhaps some sort of exploit specific to that provider?
There are dummy cards for testing purposes but they will still not show on a statement or make pretend that real funds have been cleared.
There use to be credit card # generators like back in the 90s, but I think there is enough security where those are not usable.
We verify all orders manually no matter how it's paid. This accomplishes two things for us. First it lets the client know we have received their order and allows us to reach out to the customer to understand their needs and see if what they ordered was actually a good fit for them or if they need something else even if it's not with us, and it allows us to verify information about the account.
Granted this takes extra time and we may loose some sales because we don't have "instant" activation, but I personally can sleep better at night knowing that we took some extra time to talk to our clients as well as prevented any possible fraud attempts.
In the event that something is unsettling with the call, we will ask the client to submit supporting documents verifying who they are and they are authorized for the transaction, especially for larger orders or unusual requests. Sometimes this may include a statement on company letter head, or the name/telephone number of the department manager, contacting the issuing bank of the card or check used for services to verify funds, and other methods.
The key to fraud prevention is to have many layers and trust your gut. When in doubt, verify.
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Recently a friend of mine asked me to pay something for him at HostGator with my credit card. They called me and took me through a bunch of security verifications to see if I'm not using a stolen credit card. It was tiring but it should be like that for suspicious transactions, for example, where billing and registration info do not match.
There are no "Fake Credit Cards". There might be a cards used with a fake name or a part of the billing address different from the original one. I have seen and my company has prevented many different online scams through the years. However we have never seen such thing like "fake credit card".
Paypal isn't a trusted Payment gateway according to our experience. A separate business other than hosting services faced such problem even though they used Maxmind Fraud Protection the scammer were able to pass the Maxmind protection, Paypal fraud and paid the invoices after 30days Paypal reversed the money back to the customer saying that these transactions are unauthorized by customers or owners. Paypal won't protect seller as much they protect buyers and I think they help scammers more that way