Credit Card fraud detection service may seem like an unnecessary thing, but if you’re running(or building) an ecommerce site that may potentially have a lot of transactions it’s something that you may want to look into as a measure of minimizing your chargebacks and your processing fees as well.
They both provide a variety of service, and seem to be a pretty well established players. MaxMind is actually something I have been working with for quite a long time, and must confess they provide a very reliable service. Lately however we have been having some intermittent problems with credit card fraud checks. FraudLabs on the other side, I never worked with. So I decided to give it a shot and checkout FraudLabs’ Fraud Detection Web Service.
First impression was – they a bit pricey and not all too developer friendly. They don’t really provide all that much documentation, however an extensive examples for all major scripting languages are provided. It worth mentioning that samples pretty much suck(at least the one for PHP just plainly didn’t work first of all, and secondly was built using NuSOAP, in a quite unexpected way). After about an hour messing around with WSDL we’ve finally figured out a way to get it going, and wrote up our own class that doesn’t have any 3rd party library dependencies.
Once we got all that stuff in place, it actually works pretty good! Not sure if we’d switch to it entirely, but it’s always to good to keep another option up as a fallback for the main one(which is on MaxMind).