Minimizing Fraud and Chargebacks in Limo Anywhere

Fraud, chargebacks, and other disputes are an unfortunate reality of running a business. While you can’t avoid them completely, you can take steps in Limo Anywhere to reduce your risk. By enabling the right features and settings, you give yourself the best chance to protect your revenue and provide the documentation you need if a dispute arises.

Enabling Scrollable Terms and Conditions in ORES

A newer feature in ORES allows you to add scrollable Terms and Conditions to your online booking process. This setting means that clients have to scroll through and accept your terms before completing their reservation.

1. Click the “My Office” icon in the navigation bar.
2. In the “Company Settings” tab, select “Online Reservations” from the lefthand menu.
3. Navigate to ORES & Mobile and scroll through your ORES settings.
4. Set “Display the Terms and Conditions in a scrollable box” to “Yes” in order to enable the setting.
5. Save your changes.
6. If you need to adjust your Terms and Conditions, visit your policies and update the policy that is set to your default agreement.

This creates a clear record showing the customer acknowledged your terms before booking, which can be important in chargeback disputes.

NOTE: Make sure your Terms & Conditions include your cancellation policy, smoking policy, wait time rules, and any other details that may come up in a dispute.

Updating LA Pay Card Verification Settings

If you use LA Pay, you can adjust your card verification requirements to help block fraudulent transactions.

How to update settings:
1. Click “My Office” in the navigation bar.
2. In “Company Settings”, select “Payment Gateway” and click the “Security Settings” tab.
3. Select “LA Pay” from the “Select Gateway:” dropdown.
4. Under Card Verification, choose the checks you want to require:
AVS Street Match
AVS Zip Match
CVV Match
5., Click “Update Security Settings” to save your changes.

NOTE: Tighter settings increase protection but can also decline legitimate transactions if the billing information doesn’t match exactly. For example, a customer may enter their apartment number in Address Line 1 while their bank has it stored in Address Line 2. Even though the information is correct, the mismatch can cause the street match to fail. On the other hand, some banks may authorize a transaction if the zip code matches even when the street address does not, which can increase the risk of a later dispute.  You can test out different verification options to see what works best for your operation.

Configuring Contract & Card Capture

Contract and Card Capture gives you control over how strict your security settings are. You can keep requirements lighter for trusted repeat clients or build a stricter workflow for higher-risk reservations. Multiple configurations can be created to match the needs of your operation.

Options include:

• Require Accepting TOS and Signature: Customers must sign your Terms and Conditions before completing a reservation.
• Collect and Require Credit Card Information: Prompts for a valid card and runs a BIN lookup for validation.
• Collect and Require Credit Card Billing Address: Adds an address check, available if credit card info is required.
• Require Passenger Details: First name, last name, phone, and email can all be required. Useful for verifying identity or linking to an account.
• Collect and Require Credit Card Image: Customers upload a picture of their card, stored with encryption, to confirm the card being used matches the one entered.
• Collect and Require Driver License Image: Customers upload a driver’s license, which can confirm ID and address. This is particularly useful as a deterrent against fraudulent bookings.
• Use Passenger Email on Account Creation: Automatically creates a Limo Anywhere account tied to the email entered during waiver completion.
• LA Pay Integration: Layer in AVS and CVV checks for stronger validation.

If you’d like help setting up these features, reach out to Support at (972) 701-8887 x2 or email support@limoanywhere.com.  Not using LA Pay or AddOns yet and want to see how these tools can help protect your operation? Contact Sales at sales@limoanywhere.com to get started.