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CIM: Prevent Credit Card Reuse

We're currently in the process of integrating CIM to handle payment processing on our website. We're offering free trials of our service (which requires a credit card to set up) and want to prevent abuse where users cancel their account before the free trial expires and set up a new free trial. Naturally, it's not going to be possible to handle 100% of cases, but we're wondering if there might be any built-in protections in Authorize.Net that we could use. In particular, when a new customer profile is created, is it possible to check if the credit card has previously been used in another profile? The CIM API guide seems to suggest that CIM only checks for duplicate credit cards when attempting to add a new payment profile to an already-existing customer.

 

Completely banning credit card reuse would certainly be a bad idea, but checking for it might at least allow us to flag accounts for additional review.

 

Thanks in advance for any help.

efwd
Member
1 REPLY 1

If you are not using the Hosted CIM option, you could have one customer profile let call it "freeTrails" that you can use to check for reused.

 

When customer add a CC# for free trials.

Create a paymeny profile to the "freeTrails" profile, if it not a duplicate E00039, create a new customer profile with that payment profile.

RaynorC1emen7
Expert