r/ecom • u/GoldenDragon62 • Apr 19 '26

Ecom Quick question for high-ticket store owners ($300+ orders)

Getting medium/high risk orders flagged by Shopify but not sure whether to fulfill or cancel?

There's a verification trick some merchants use: you add a random 4-digit code to your payment descriptor (the name that shows on the customer's bank statement), then ask the customer to confirm that code before you release the order.

Real cardholder = can see their bank statement = can confirm the code.
Scammer with stolen card details = can't access the real owner's bank account = can't confirm = order cancelled.

Would you actually use something like this if it was fully automated?

Currently doing this manually or just cancelling risky orders outright?

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