Protecting your business from fraudulent orders is essential in today’s online shopping environment. While Lovingly invests heavily in advanced fraud protection, no system can catch every suspicious transaction in real time. Partner florists play a key role in keeping orders safe.
Use this guide to quickly spot red flags, take the right next steps, and confidently protect your shop, especially during high-volume holidays.
Quick Fraud Checklist
Red Flag | What to Do | Why It Matters |
Customer info doesn’t match (email, name, card) | Pause order; attempt verification | Mismatched details are common in stolen-card use. |
Caller cannot provide CVV or issuing bank | End call and decline order | Fraudulent callers often lack access to the physical card. |
Email address appears random or auto-generated | Review order history; verify identity | Fraudsters frequently use disposable or fake emails. |
Multiple orders with similar cards or variations of the same number | Check for patterns; decline if necessary | Indicates card-testing attempts. |
Declined transaction followed by repeated attempts | Try to contact customer; decline if uncertain | Fraudsters often test stolen cards rapidly. |
1. Mismatched Contact Information
If the same email address is used for multiple orders with different names or credit cards, treat this as a warning sign.
What to do:
Review the order details in your Lovingly Shop dashboard.
Check if the email has past fraudulent behavior.
If needed, contact the customer using the info on file.
2. “From” Name Doesn’t Match Billing Name
A different sender name on the card message is sometimes harmless, but if it also differs from the billing information, proceed carefully.
What to do:
Call the billing phone number, not the one listed in the message.
Confirm the sender/recipient relationship if possible.
3. Caller Can’t Provide the Card Security Code (CVV)
Fraudsters often do not have access to the physical card itself.
What to do:
Politely explain that the CVV is required for processing.
Decline the order if they cannot provide it.
4. Caller Can’t Provide the Issuing Bank
Legitimate customers know their bank. Fraudsters rarely do.
What to do:
Ask: “Can you confirm the name of the bank that issued your card?”
If they hesitate or guess, consider the order high risk.
5. Email Address Looks Fake or Machine-Generated
Emails like “asdf234x8@gmail.com” or “OMG#!smw@gmail.com” are often tied to temporary or automated accounts.
What to do:
Check order history for patterns.
Verify the order before fulfilling.
6. Multiple Orders with Similar Card Numbers
If you see repeated attempts using cards with nearly identical last four digits, it may indicate card-testing behavior.
What to do:
Pause fulfillment and look at the timestamps.
Decline suspicious orders.
7. Repeated Declines on the Same Order
A decline doesn’t guarantee fraud, but several decline attempts in a row usually mean something isn’t right.
What to do:
Attempt a verification call.
Decline the order if the customer cannot validate their information.
What To Do If You Suspect Fraud (Step-by-Step)
Review the order details in Lovingly Shop and look for mismatches or repeated attempts.
Attempt to contact the customer using the phone number on file.
Document your observations in the order notes for team reference.
Reject/Refund the order through Lovingly Pay if the customer cannot be verified.
Reminder: There is no credit card fee for rejecting orders when using Lovingly Pay as long as the order has not been marked delivered.
Monitor for patterns in future orders and notify your team if concerns continue.
Trust Your Instincts
Even one red flag is enough to pause and verify. If something feels off, trust your intuition, your caution can prevent chargebacks and protect your business.
For more information on Lovingly’s fraud protection and payment tools, see:
If you ever need guidance, reach out! We’re here to help you stay protected.