Many agents request that new clients email images of the cardholder driver’s license/passport and images of the front and back of the credit/debit card as proof that the client information is real. Unfortunately, fraudsters are often adept at digitally altering such documents to make themselves appear legitimate.
Though agents receive these emailed document images, it does not provide relief from potential chargebacks because the document images may be altered.
Suggestions
Driver's License
Below is an example of a digitally altered California Driver's License.
Note: The last name in this altered image was removed by ARC. The photo is copied and pasted by a fraudster from an unknown website.
Look for misspellings or incorrect information:
Passport
Below is an example of a digitally altered United States passport. Some parts of this document are quite clear yet other areas are fuzzy, which should not occur with an unaltered document image. The image should be consistently clear or consistently fuzzy, not a mix.
Note: The last name in this altered image was removed by ARC. The passport photo is copied and pasted by a fraudster from an unknown website.
Look for misspellings or incorrect information:
Credit Card
Below is an example of a digitally altered credit card.
Note: Some data in this altered image was removed by ARC.
Look for misspellings, poor grammar or incorrect information:
Contact ARC
If you suspect a customer has emailed altered documents, contact ARC Fraud Prevention at 855.358.0393 or StopFraud@arccorp.com.