Fraud signals and manual order review for small retailers

Short answer: Watch mismatched billing/shipping, rush orders to new regions, and velocity anomalies—small shops can combine automated flags with human review.

NZ retailers with thin margins cannot absorb chargebacks casually.

Signals

• Many failed card attempts; disposable emails; high-risk BINs (gateway dependent).
• Orders picking high-resale items with fastest shipping only.

Processes

Hold suspicious orders, call customers politely, verify ID for high-value pickups.

Balance

Over-aggressive holds annoy legitimate customers—communicate delays clearly.

Frequently asked questions