Announcement to VISA that the company will be charged a fee


As shown in the annual transactions below, VISA continues to approve fraudulent card numbers.  Until now, we have simply returned the amounts (as can be seen highlighted in the negative Approved Amts).  In the future, as VISA has continued to allow patently obvious bad transactions to be approved, despite our requirement for a CVV code, we are charging a 10% fee for the ones that must be manually returned as their insecure business practice is coming at a cost to our organization.

Transaction ID Subscription ID Transaction Type Transaction Status Escrow Status Created Datetime Created Timezone Settlement Date Disbursement Date Merchant Account Currency ISO Code Amount Authorized Amount Submitted For Settlement Service Fee Tax Amount Tax Exempt Purchase Order Number Order ID Descriptor Name Descriptor Phone Descriptor URL Refunded Transaction ID Payment Instrument Type Card Type Cardholder Name First Six of Credit Card Last Four of Credit Card Credit Card Number Expiration Date Credit Card Customer Location Customer ID Payment Method Token Credit Card Unique Identifier Customer First Name Customer Last Name Customer Company Customer Email Customer Phone Customer Fax Customer Website Billing Address ID Billing First Name Billing Last Name Billing Company Billing Street Address Billing Extended Address Billing City (Locality) Billing State/Province (Region) Billing Postal Code Billing Country Shipping Address ID Shipping First Name Shipping Last Name Shipping Company Shipping Street Address Shipping Extended Address Shipping City (Locality) Shipping State/Province (Region) Shipping Postal Code Shipping Country User IP Address Creating Using Token Transaction Source Authorization Code Processor Response Code Processor Response Text Gateway Rejection Reason Postal Code Response Code Street Address Response Code AVS Response Text CVV Response Code CVV Response Text Settlement Amount Settlement Currency ISO Code Settlement Currency Exchange Rate Fraud Detected Disputed Date Authorized Transaction ID Country of Issuance Issuing Bank Durbin Regulated Commercial Prepaid Payroll Healthcare Affluent Category Debit Product ID PayPal Payer Email PayPal Payment ID PayPal Authorization ID PayPal Debug ID PayPal Capture ID PayPal Refund ID PayPal Custom Field PayPal Payer ID PayPal Payer First Name PayPal Payer Last Name PayPal Seller Protection Status PayPal Transaction Fee Amount PayPal Transaction Fee Currency ISO Code Apple Pay Card Last Four Apple Pay Card Expiration Month Apple Pay Card Expiration Year Apple Pay Cardholder Name Android Pay Source Card Last Four Android Pay Source Card Type
9nxr3my sale processor_declined 03/27/2016 22:45:24 CDT RefereePAC_instant USD 4.15 false Credit Card Visa dsadsadas 491566 238 491566******0238 03/2017 US fds fdsfds fsdfds dsafsd@jotmail.com fds fdsfds fsdfds dafdsafsdf sasswds IA 2222 Yes Recurring 2046 Declined U U Street Address not verified (U). Postal Code not verified (U). I Not provided (I). MEX Banco Mercantil del Norte S.A.., Instituci�n de Banca M�ltip No Unknown No No No Unknown Yes L
hc7f3j4 sale gateway_rejected 04/12/2016 00:28:15 CDT RefereePAC_instant USD 1 false Credit Card Visa dscdfs dsg 459354 3637 459354******3637 12/2016 US gfgf bvbv bvcb bvcvbvc@aol.com gfgf bvbv bvcb cxc cxc NC 27705 refpac 50.63.196.143 No API 2203 1000 Approved avs U U Street Address not verified (U). Postal Code not verified (U). M Matches (M). ARG Banco de Galicia y Buenos Aires, S.A. No No No No No Unknown No C
fnx9p6d sale processor_declined 04/12/2016 00:56:35 CDT RefereePAC_instant USD 1 false Credit Card Visa RHRz sMGCHlKq 450995 2617 450995******2617 05/2016 US RHRz sMG HlKq RHRz sMGtil WJOXT@hzi.com RHRz sMG HlKq RHRz sMGtil 3703 BarnView Place RHRz sMGeus NC 27705 refpac 50.63.196.143 No API 2046 Declined U U Street Address not verified (U). Postal Code not verified (U). M Matches (M). ARG Banco Santander Rio S.A. No No No No No Unknown No P
j2tfkk8 sale processor_declined 04/12/2016 00:57:18 CDT RefereePAC_instant USD 1 false Credit Card Visa EClP eQJCsoNC 450995 2617 450995******2617 05/2016 US EClP eQJ soNC EClP eQJtil FVzgr@RLU.com EClP eQJ soNC EClP eQJtil 3703 BarnView Place EClP eQJeus NC 27705 refpac 50.63.196.143 No API 2046 Declined U U Street Address not verified (U). Postal Code not verified (U). M Matches (M). ARG Banco Santander Rio S.A. No No No No No Unknown No P
p1p920ys sale processor_declined 07/16/2016 12:01:10 CDT RefereePAC_instant USD 5 false Credit Card Visa julio sant 498453 8907 498453******8907 09/2020 US a a a a@a.com a a a a a a AL 10000000 refpac 50.63.196.143 No API 2010 Card Issuer Declined CVV U U Street Address not verified (U). Postal Code not verified (U). N Does not match (N). BRA Banco do Brasil S.A. No No No No No Unknown No F
21xca15m sale processor_declined 07/16/2016 12:00:10 CDT RefereePAC_instant USD 5 false Credit Card Visa Julio sant 498408 1635 498408******1635 05/2021 US julio santos k k@k.com julio santos k m ao Autr AK 10000 refpac 50.63.196.143 No API 2004 Expired Card U U Street Address not verified (U). Postal Code not verified (U). N Does not match (N). BRA Banco do Brasil S.A. No No No No No Unknown No I
emzqgzds sale processor_declined 08/05/2016 03:09:47 CDT RefereePAC_instant USD 5 false Credit Card Visa mark adam 440066 7370 440066******7370 03/2017 US mark adam other kahak@gmail.com mark adam other no 12 street alak city AL 27321 refpac 50.63.196.142 No API 2046 Declined N N Street Address does not match (N). Postal Code does not match (N). M Matches (M). USA Bank of America – Consumer Credit No No No No No Unknown No A
212c3h66 sale processor_declined 08/05/2016 03:14:59 CDT RefereePAC_instant USD 5 false Credit Card Visa mark adam 408501 1197 408501******1197 02/2018 US mark adam other kahak@gmail.com mark adam other no 12 street alak city AL 27321 refpac 50.63.196.142 No API 2038 Processor Declined U U Street Address not verified (U). Postal Code not verified (U). M Matches (M). USA Chessie Federal Credit Union No Unknown No No No Unknown Yes F
qzmk50mr sale processor_declined 08/05/2016 03:15:28 CDT RefereePAC_instant USD 5 false Credit Card Visa mark adam 408501 1197 408501******1197 02/2018 US mark adam other kahak@gmail.com mark adam other no 12 street alak city AL 27321 refpac 50.63.196.142 No API 2038 Processor Declined U U Street Address not verified (U). Postal Code not verified (U). M Matches (M). USA Chessie Federal Credit Union No Unknown No No No Unknown Yes F
qvgb6pjk sale processor_declined 08/05/2016 03:16:29 CDT RefereePAC_instant USD 5 false Credit Card Visa mark adam 408501 1197 408501******1197 02/2018 US mark adam other kahak@gmail.com mark adam other no 12 street alak city AL 27321 refpac 50.63.196.142 No API 2038 Processor Declined U U Street Address not verified (U). Postal Code not verified (U). M Matches (M). USA Chessie Federal Credit Union No Unknown No No No Unknown Yes F
pss0ta12 sale processor_declined 09/03/2016 00:42:05 CDT RefereePAC_instant USD 4.15 false Credit Card Visa ana nunes 455182 9077 455182******9077 11/2016 US ana nunes ana ana@yopm.com ana nunes ana Rua Miguel Couto RJ AK 20070-030 Yes Recurring 2046 Declined U U Street Address not verified (U). Postal Code not verified (U). I Not provided (I). BRA Banco Bradesco Cartoes S.A. No No No No No Unknown No F
58k0fdzm sale processor_declined 12/13/2016 20:21:08 CST RefereePAC_instant USD 4.15 false Credit Card Visa wdhgasf asgas 450003 9102 450003******9102 12/2018 US hshgsd dhsdf sdhas asgasd asgasdgas@gmail.com hshgsd dhsdf sdhas asgasd dfjsdg dshsdfa asdhadsfa KS 34623 Yes Recurring 2046 Declined N N Street Address does not match (N). Postal Code does not match (N). I Not provided (I). CAN Canadian Imperial Bank of Commerce No No No No No Unknown No I
84qq86km sale processor_declined 12/13/2016 20:43:26 CST RefereePAC_instant USD 4.15 false Credit Card Visa Lee Blank 498408 4318 498408******4318 05/2021 US Fizzer Wintter Empoiler Fizzer@gmail.com Fizzer Wintter Empoiler Street View2 2020 Everett MA 25342 Yes Recurring 2038 Processor Declined U U Street Address not verified (U). Postal Code not verified (U). I Not provided (I). BRA Banco do Brasil S.A. No No No No No Unknown No I
n2srqvqw sale processor_declined 12/13/2016 22:12:57 CST RefereePAC_instant USD 4.15 false Credit Card Visa Lee Blank 498408 4318 498408******4318 05/2021 US Fizzer Wintter Empoiler Fizzer@gmail.com Fizzer Wintter Empoiler Street View2 2020 Everett MA 25342 Yes Recurring 2038 Processor Declined U U Street Address not verified (U). Postal Code not verified (U). I Not provided (I). BRA Banco do Brasil S.A. No No No No No Unknown No I
gf6r9jda 9xstjb sale settled 12/13/2016 20:20:15 CST 12/14/2016 12/15/2016 RefereePAC_instant USD 4.15 4.15 false Credit Card Visa aegas adhasd 450003 9102 450003******9102 12/2017 US 673901380 9z2v4z6 a8c75586e313b012441c3e1314f261e7 dgasga hasdas gashgags asgahasd@gmail.com 88 dgasga hasdas gashgags sgasdas hasfasd KS 23634 Yes Recurring 00477I 1000 Approved N N Street Address does not match (N). Postal Code does not match (N). I Not provided (I). 4.15 USD 1 CAN Canadian Imperial Bank of Commerce No No No No No Unknown No I
27afhqhm 5r3x5g sale settled 12/13/2016 20:21:56 CST 12/14/2016 12/15/2016 RefereePAC_instant USD 4.15 4.15 false Credit Card Visa adgas asgasd 450003 9102 450003******9102 12/2017 US 400481465 hkbmvym a8c75586e313b012441c3e1314f261e7 hasfas hgasfad gasfasda agsfashga@gmail.com 7c hasfas hgasfad gasfasda asgasf gasasd KS 23624 Yes Recurring 04713I 1000 Approved N N Street Address does not match (N). Postal Code does not match (N). I Not provided (I). 4.15 USD 1 CAN Canadian Imperial Bank of Commerce No No No No No Unknown No I
58zt0ta5 cvbhn6 sale settled 12/13/2016 20:42:44 CST 12/14/2016 12/15/2016 RefereePAC_instant USD 4.15 4.15 false Credit Card Visa Lee Blank 498406 2343 498406******2343 12/2020 US 633927680 bg98h2b b10896a32ce5d00388900fe4f474b18e Fizzer Wintter Empoiler Fizzer@gmail.com sc Fizzer Wintter Empoiler Street View2 2020 Everett MA 25342 Yes Recurring 622169 1000 Approved U U Street Address not verified (U). Postal Code not verified (U). I Not provided (I). 4.15 USD 1 BRA Banco do Brasil S.A. No No No No No Unknown No N
03yd555k gtx3n6 sale settled 12/13/2016 20:41:49 CST 12/14/2016 12/15/2016 RefereePAC_instant USD 4.15 4.15 false Credit Card Visa Lee Blank 498406 2343 498406******2343 12/2020 US 263822070 fyb5796 b10896a32ce5d00388900fe4f474b18e Fizzer Wintter Empoiler Fizzer@gmail.com jn Fizzer Wintter Empoiler Street View2 2020 Everett MA 25342 Yes Recurring 621882 1000 Approved U U Street Address not verified (U). Postal Code not verified (U). I Not provided (I). 4.15 USD 1 BRA Banco do Brasil S.A. No No No No No Unknown No N
gwqavk4f fyhf4b sale settled 12/13/2016 20:48:37 CST 12/14/2016 12/15/2016 RefereePAC_instant USD 4.15 4.15 false Credit Card Visa Lee Blank 498406 2343 498406******2343 12/2020 US 676048035 8w94xrw b10896a32ce5d00388900fe4f474b18e Fizzer Wintter Empoiler Fizzer@gmail.com 54 Fizzer Wintter Empoiler Street View2 2020 Everett MA 25342 Yes Recurring 623921 1000 Approved U U Street Address not verified (U). Postal Code not verified (U). I Not provided (I). 4.15 USD 1 BRA Banco do Brasil S.A. No No No No No Unknown No N
rm9e52va cy74mm sale settled 12/13/2016 20:51:18 CST 12/14/2016 12/15/2016 RefereePAC_instant USD 4.15 4.15 false Credit Card Visa Lee Blank 498406 2343 498406******2343 12/2020 US 534268365 jdbdvgw b10896a32ce5d00388900fe4f474b18e Fizzer Wintter Empoiler Fizzer@gmail.com 93 Fizzer Wintter Empoiler Street View2 2020 Everett MA 25342 Yes Recurring 624642 1000 Approved U U Street Address not verified (U). Postal Code not verified (U). I Not provided (I). 4.15 USD 1 BRA Banco do Brasil S.A. No No No No No Unknown No N
b872aby1 sale processor_declined 12/13/2016 20:51:38 CST RefereePAC_instant USD 4.15 false Credit Card Visa Lee Blank 498408 4318 498408******4318 05/2021 US Fizzer Wintter Empoiler Fizzer@gmail.com Fizzer Wintter Empoiler Street View2 2020 Everett MA 25342 Yes Recurring 2038 Processor Declined U U Street Address not verified (U). Postal Code not verified (U). I Not provided (I). BRA Banco do Brasil S.A. No No No No No Unknown No I
5yrwff5m sale processor_declined 12/13/2016 20:52:21 CST RefereePAC_instant USD 4.15 false Credit Card Visa Lee Blank 498408 4326 498408******4326 05/2021 US Fizzer Wintter Empoiler Fizzer@gmail.com Fizzer Wintter Empoiler Street View2 2020 Everett MA 25342 Yes Recurring 2038 Processor Declined U U Street Address not verified (U). Postal Code not verified (U). I Not provided (I). BRA Banco do Brasil S.A. No No No No No Unknown No I
9nm3h77v sale processor_declined 12/13/2016 20:52:42 CST RefereePAC_instant USD 4.15 false Credit Card Visa Lee Blank 450003 6424 450003******6424 12/2017 US Fizzer Wintter Empoiler Fizzer@gmail.com Fizzer Wintter Empoiler Street View2 2020 Everett MA 25342 Yes Recurring 2046 Declined N N Street Address does not match (N). Postal Code does not match (N). I Not provided (I). CAN Canadian Imperial Bank of Commerce No No No No No Unknown No I
ec1ydf9h sale processor_declined 12/13/2016 20:53:02 CST RefereePAC_instant USD 4.15 false Credit Card Visa Lee Blank 498408 4334 498408******4334 05/2021 US Fizzer Wintter Empoiler Fizzer@gmail.com Fizzer Wintter Empoiler Street View2 2020 Everett MA 25342 Yes Recurring 2038 Processor Declined U U Street Address not verified (U). Postal Code not verified (U). I Not provided (I). BRA Banco do Brasil S.A. No No No No No Unknown No I
16fk9a9b sale processor_declined 12/01/2016 14:29:51 CST RefereePAC_instant USD 5 false Credit Card Visa dgsd dfhsfds 450003 6681 450003******6681 12/2016 US wegwerwe ywrqw eweywer@gmail.com wegwerwe ywrqw cbsdgsdh fsgdgf KS 54634 Yes Recurring 2046 Declined N N Street Address does not match (N). Postal Code does not match (N). I Not provided (I). CAN Canadian Imperial Bank of Commerce No No No No No Unknown No I
0a63nwwf cy74mm credit settled 12/16/2016 06:19:27 CST 12/16/2016 12/19/2016 RefereePAC_instant USD -4.15 -4.15 false rm9e52va Credit Card Visa Lee Blank 498406 2343 498406******2343 12/2020 US 534268365 jdbdvgw b10896a32ce5d00388900fe4f474b18e Fizzer Wintter Empoiler Fizzer@gmail.com 93 Fizzer Wintter Empoiler Street View2 2020 Everett MA 25342 refpac No CP 1002 Processed A A Street Address not applicable (A). Postal Code not applicable (A). A Not Applicable (A). -4.15 USD 1 BRA Banco do Brasil S.A. No No No No No Unknown No N
9p7b1y5t 5r3x5g credit settled 12/16/2016 06:18:37 CST 12/16/2016 12/19/2016 RefereePAC_instant USD -4.15 -4.15 false 27afhqhm Credit Card Visa adgas asgasd 450003 9102 450003******9102 12/2017 US 400481465 hkbmvym a8c75586e313b012441c3e1314f261e7 hasfas hgasfad gasfasda agsfashga@gmail.com 7c hasfas hgasfad gasfasda asgasf gasasd KS 23624 refpac No CP 1002 Processed A A Street Address not applicable (A). Postal Code not applicable (A). A Not Applicable (A). -4.15 USD 1 CAN Canadian Imperial Bank of Commerce No No No No No Unknown No I
4zsg5p44 9xstjb credit settled 12/16/2016 06:18:17 CST 12/16/2016 12/19/2016 RefereePAC_instant USD -4.15 -4.15 false gf6r9jda Credit Card Visa aegas adhasd 450003 9102 450003******9102 12/2017 US 673901380 9z2v4z6 a8c75586e313b012441c3e1314f261e7 dgasga hasdas gashgags asgahasd@gmail.com 88 dgasga hasdas gashgags sgasdas hasfasd KS 23634 refpac No CP 1002 Processed A A Street Address not applicable (A). Postal Code not applicable (A). A Not Applicable (A). -4.15 USD 1 CAN Canadian Imperial Bank of Commerce No No No No No Unknown No I
17y9pj5k fyhf4b credit settled 12/16/2016 06:19:18 CST 12/16/2016 12/19/2016 RefereePAC_instant USD -4.15 -4.15 false gwqavk4f Credit Card Visa Lee Blank 498406 2343 498406******2343 12/2020 US 676048035 8w94xrw b10896a32ce5d00388900fe4f474b18e Fizzer Wintter Empoiler Fizzer@gmail.com 54 Fizzer Wintter Empoiler Street View2 2020 Everett MA 25342 refpac No CP 1002 Processed A A Street Address not applicable (A). Postal Code not applicable (A). A Not Applicable (A). -4.15 USD 1 BRA Banco do Brasil S.A. No No No No No Unknown No N
md7yp1rs gtx3n6 credit settled 12/16/2016 06:18:56 CST 12/16/2016 12/19/2016 RefereePAC_instant USD -4.15 -4.15 false 03yd555k Credit Card Visa Lee Blank 498406 2343 498406******2343 12/2020 US 263822070 fyb5796 b10896a32ce5d00388900fe4f474b18e Fizzer Wintter Empoiler Fizzer@gmail.com jn Fizzer Wintter Empoiler Street View2 2020 Everett MA 25342 refpac No CP 1002 Processed A A Street Address not applicable (A). Postal Code not applicable (A). A Not Applicable (A). -4.15 USD 1 BRA Banco do Brasil S.A. No No No No No Unknown No N
j7t5z5e5 cvbhn6 credit settled 12/16/2016 06:19:07 CST 12/16/2016 12/19/2016 RefereePAC_instant USD -4.15 -4.15 false 58zt0ta5 Credit Card Visa Lee Blank 498406 2343 498406******2343 12/2020 US 633927680 bg98h2b b10896a32ce5d00388900fe4f474b18e Fizzer Wintter Empoiler Fizzer@gmail.com sc Fizzer Wintter Empoiler Street View2 2020 Everett MA 25342 refpac No CP 1002 Processed A A Street Address not applicable (A). Postal Code not applicable (A). A Not Applicable (A). -4.15 USD 1 BRA Banco do Brasil S.A. No No No No No Unknown No N