JDS Labs manually reviews orders flagged by our credit card system on a daily basis. From our policies page:
Orders may be held for additional review when our shipping or finance departments encounter uncertainty. We will contact you immediately if further information is required.
Secrecy over Transparency
When a standard credit card payment is declared fraudulent, banks bear no responsibility, while the credit card company is responsible only for cost of issuing a replacement credit card. The merchant (JDS Labs) is fully responsible for the entire transaction cost, in addition to a chargeback fee of about 15% on a $100 transaction. Thus, as a merchant, it’s in our best interest to prevent the acceptance of stolen credit cards. Every chargeback hurts us and ultimately raises the cost of business.
We’ve implemented proprietary logic over the years in our shopping cart, and every year the game changes. Thieves constantly find new ways to overcome previous rules. In 2016, we noticed a scheme in which packages were being shipped within a 25 mile radius of a particular city. After suffering several chargebacks of credit cards that passed billing address checks, we released all relevant information to our local police department, who collaborated with the police department of the shipping location. They were able to set up a patrol of the location and while the thief was never identified, the fraud stopped. This particular scheme has not happened since. Like other businesses, we keep our methods secretive so as to give no advantage to thieves.
Our systems and procedures continue to evolve. As of 2025, we encourage Apple Pay, Google Pay, and PayPal. All orders placed via credit card are processed through frictionless authorization at the bare minimum.