{"id":23860,"date":"2026-04-16T14:10:17","date_gmt":"2026-04-16T18:10:17","guid":{"rendered":"https:\/\/chargebacks911.com\/?p=23860"},"modified":"2026-04-24T14:59:34","modified_gmt":"2026-04-24T18:59:34","slug":"fraud-blacklists","status":"publish","type":"post","link":"https:\/\/chargebacks911.com\/fraud-blacklists\/","title":{"rendered":"Fraud Blacklists"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Fraud Blacklisting &amp; Whitelisting: Is Either Approach Right for Your Business?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The term \u201cblacklist\u201d sounds ominous. However, it actually refers to a standard tool that many merchants use to prevent fraud.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In theory, banning sales to a list of accounts you believe to be invalid should lower the risk posed to you by fraudulent transactions. The reality isn\u2019t quite that simple, though. Merchants often experience uneven results if they\u2019re not very careful when employing blacklists to prevent fraud.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, how can a fraud blacklist become an integral piece of your overall anti-fraud strategy? Let\u2019s find out.<\/p>\n\n\n<div class=\"c-suggested-reading\"><div class=\"c-suggested-reading__inner\"><div class=\"c-suggested-reading__header\"><h3 class=\"c-suggested-reading__headline\">Recommended reading<\/h3><\/div><ul class=\"c-suggested-reading__items\"><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/transaction-risk-analysis\/\" class=\"c-suggested-reading__link\">What is Transaction Risk Analysis? How Does it Work?<\/a><\/li><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/verified-by-visa\/\" class=\"c-suggested-reading__link\">Verified by Visa: How Much Protection Does 3DS Offer?<\/a><\/li><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/eci-indicator\/\" class=\"c-suggested-reading__link\">ECI Indicators: How to Understand 3DS Response Codes<\/a><\/li><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/3-d-secure-verification-failed\/\" class=\"c-suggested-reading__link\">3-D Secure Verification Failed? Here\u2019s How to Fix it.<\/a><\/li><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/strong-customer-authentication-sca\/\" class=\"c-suggested-reading__link\">Strong Customer Authentication: What You Should Know in <\/a><\/li><li class=\"c-suggested-reading__item\"><a href=\"https:\/\/chargebacks911.com\/3-d-secure-2-0\/\" class=\"c-suggested-reading__link\">What is 3D Secure 2.0? How it Works &amp; Why It\u2019s Necessary<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">What is a Fraud Blacklist?<\/h2>\n\n\n\n<dl class=\"definition_box\" class=\"wp-block-cb911-block-library-definitions\"><div class=\"definition\"><div class=\"definition_top\"><h3><dt>Fraud Blacklist<\/dt><\/h3><p>[noun]\/fr\u00f4d\u02cc\u2022 blak\u02cc\u2022 list\/<\/p><\/div><dd><p>A fraud blacklist is an archived data list containing personal information and transaction histories of accounts linked to confirmed fraudulent activity. All future transactions are compared to this list, and orders with matching information are declined.<\/p><\/dd><\/div><\/dl>\n\n\n\n<p class=\"wp-block-paragraph\">A fraud blacklist is a database built to predict fraud based on previous interactions. Any time fraudulent activity is identified, pertinent details from that transaction are recorded on a blacklist. All future transactions are compared to that list, and if another order is placed using those details, the transaction is automatically declined.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/chargebacks911.com\/credit-card-fraud-prevention\/\">As fraud prevention technology<\/a> becomes increasingly precise, the way in which you collect and attribute user data also needs to change. Blacklisting makes it easier for you to spot and respond to potential fraudsters before they can act.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Does a Fraud Blacklist Work?<\/h2>\n\n\n\n<div class=\"c-category-alert c-category-alert--teal\">\n    <span class=\"c-category-alert--teal__icon\">\n        <object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2024\/09\/Time-Limit-Icon.png\" height=\"20\" aria-label=\"hourglass\"><\/object>\n  <\/span>\n    <span class=\"c-category-alert--teal__heading\">TL;DR<\/span>\n    <p class=\"c-category-alert--teal__description\">A blacklist works by filtering customers based on preset variables. Any customers matching the specified sets of variables will get blocked.<\/p>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">A customer blacklist works in a couple of different ways. Depending on the parameters you set, automatic addition to the blacklist can be based on IP address, email address, physical address, credit card number, and more. You can even block orders from an entire country or region if too many fraudulent orders were received from the same area.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In some cases, different merchants may share lists with each other. The idea is to create a \u201chard stop\u201d for cards used in fraudulent transactions. To a lesser extent, blacklists can also stop repeated incidents of chargeback abuse (known as <a href=\"https:\/\/chargebacks911.com\/friendly-fraud\/\">friendly fraud<\/a>).<\/p>\n\n\n\n<div class=\"c-category-alert c-category-alert--red\">\n<span class=\"c-category-alert--red__icon\">\n<object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2020\/03\/reminder-hands-01.svg\" width=\"20\" height=\"20\" aria-label=\"finger bullet\"><\/object>\n<\/span>\n<span class=\"c-category-alert--red__heading\">Important!<\/span>\n<p class=\"c-category-alert--red__description\">Blocking entire countries or regions may seem like an easy answer. But, this \u201cblanket blacklisting\u201d approach is particularly prone to false declines. Legitimate customers in those regions are permanently blocked, and you may cut off emerging markets or customer segments you want to grow. Geographic blocking should be a last resort, applied only to regions with a really negligible volume of legitimate orders.<\/p>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Four Attributes Used to Create a Blacklist:<\/h3>\n\n\n\n<div class=\"fix-floatdivs\">\n<div class=\"floatdivs-item\">\n<div class=\"floatdiv\">\n<figure><img loading=\"lazy\" decoding=\"async\" id=\"j-marge\" class=\"aligncenter imgpad\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2020\/01\/NEW-ICONS-DuoTone-Lineal-Icons-July2022-Update-254-1.svg\" width=\"90\" height=\"90\" alt=\"\"\/><\/figure>\n<p class=\"headertext\">Email Address<\/p>\n<\/div>\n<\/div>\n<div class=\"floatdivs-item\">\n<div class=\"floatdiv\">\n<figure><img loading=\"lazy\" decoding=\"async\" id=\"j-marge\" class=\"aligncenter imgpad\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2021\/12\/Fingerprint-DuoTone-Lineal-Icons_DuoTone-Iconz_DuoTone-Iconz-copy-29.svg\" width=\"90\" height=\"90\" alt=\"\"\/><\/figure>\n<p class=\"headertext\"><a href=\"https:\/\/chargebacks911.com\/device-fingerprinting\/\">Device Fingerprint<\/a><\/p>\n<\/div>\n<\/div>\n<div class=\"floatdivs-item\">\n<div class=\"floatdiv\">\n<figure><img loading=\"lazy\" decoding=\"async\" id=\"j-marge\" class=\"aligncenter imgpad\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/05\/iconz-globe.svg\" width=\"90\" height=\"90\" alt=\"\"\/><\/figure>\n<p class=\"headertext\"><a href=\"https:\/\/chargebacks911.com\/geolocation\/\">Geolocation<\/a><\/p>\n<\/div>\n<\/div>\n<div class=\"floatdivs-item\">\n<div class=\"floatdiv\">\n<figure><img loading=\"lazy\" decoding=\"async\" id=\"j-marge\" class=\"aligncenter imgpad\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2022\/01\/Triangulation-Fraud-DuoTone-Lineal-Icons_DuoTone-Iconz_DuoTone-Iconz-copy-60.svg\" width=\"90\" height=\"90\" alt=\"\"\/><\/figure>\n<p class=\"headertext\">IP Address<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">None of these methods, on their own, are sufficient to paint an accurate picture of the user in question. Blacklists need to be based on multiple factors, with verdicts being based on informed, reasoned decisioning.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For instance, email addresses are the easiest form of identification to fake or misread. IP addresses are not static and can be shared by multiple users at once. Additionally, device fingerprinting is easily complicated by mobile network sharing and dynamic operating systems. Without considering all these (and other) variables, you could end up blocking valid users.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Are Fraud Blacklists Effective?<\/h2>\n\n\n\n<div class=\"c-category-alert c-category-alert--teal\">\n    <span class=\"c-category-alert--teal__icon\">\n        <object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2024\/09\/Time-Limit-Icon.png\" height=\"20\" aria-label=\"hourglass\"><\/object>\n  <\/span>\n    <span class=\"c-category-alert--teal__heading\">TL;DR<\/span>\n    <p class=\"c-category-alert--teal__description\">Blacklists are fairly effective at stopping fraud. But, the cost of false positives may be higher than the value of any fraud prevented.<\/p>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">One reason blacklists are so popular is that they are so simple to use. Generally speaking, the platform\u2019s job is straightforward: identify threats according to preprogrammed criteria, and deny access. Sounds simple, right?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At first glance, it would appear so. Indeed, many merchants prefer this method because blacklisting is offered as a built-in feature for most security services and software. You aren\u2019t required to compile and manage lists on your own. In the long term, though, you may discover this approach is problematic.<\/p>\n\n\n\n<div class=\"c-shortcode-ebook c-shortcode-ebook--book\"><a href=\"https:\/\/ad.chargebacks911.com\/chargebacks-for-dummies\" class=\"c-shortcode-ebook__block\" target=\"_blank\"><div class=\"c-shortcode-ebook__inner\"><div class=\"c-shortcode-ebook__graphics\"><div class=\"c-shortcode-ebook__graphics-inner\"><div class=\"c-shortcode-ebook__book\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/themes\/CB911\/assets\/img\/shortcodes\/ebooks\/book--dummies.png\" alt=\"Chargebacks\" for=\"\" dummies=\"\"\/>\n\t\t\t<\/div><\/div><\/div><div class=\"c-shortcode-ebook__content\"><span class=\"c-shortcode-ebook__title\"><span>Everything You Need To Know<\/span> A Beginner\u2019s Guide to Chargebacks<\/span><p class=\"c-shortcode-ebook__description\">Chargebacks can wreak havoc on your cash flow and profitability. This FREE paperback book is your guide for preventing chargebacks and, when they happen, fighting them more effectively.<\/p><span class=\"c-btn c-btn--primary c-shortcode-ebook__btn\">Send Me My Free Paperback Book!<\/span><\/div><\/div><div class=\"c-shortcode-ebook__close\" data-shortcode-ebook-close=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 20 20\" fill=\"currentColor\"><path fill-rule=\"evenodd\" d=\"M4.293 4.293a1 1 0 011.414 0L10 8.586l4.293-4.293a1 1 0 111.414 1.414L11.414 10l4.293 4.293a1 1 0 01-1.414 1.414L10 11.414l-4.293 4.293a1 1 0 01-1.414-1.414L8.586 10 4.293 5.707a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg><\/div><\/a><div class=\"c-shortcode-ebook__overlay\"><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Ultimately, fraud blacklists are effective and popular. But, if the question is whether they work, the answer is not so clear.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Blacklists can block orders, yes\u2026but it will cost you. Blacklists may filter out fraudsters, but may also lead to increased <a href=\"https:\/\/chargebacks911.com\/false-declines\/\">false declines<\/a>. You may end up blocking legitimate orders that contain similar or mistyped information.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Worse, these accounts will stay blocked until they are manually removed from the list. And, since internal blacklists tend to be static and have no process in place to regularly update the information over time, you won\u2019t only be missing out on one-off orders. You\u2019ll likely be cutting out customers for life.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Downsides of Fraud Blacklisting<\/h2>\n\n\n\n<div class=\"c-category-alert c-category-alert--teal\">\n    <span class=\"c-category-alert--teal__icon\">\n        <object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2024\/09\/Time-Limit-Icon.png\" height=\"20\" aria-label=\"hourglass\"><\/object>\n  <\/span>\n    <span class=\"c-category-alert--teal__heading\">TL;DR<\/span>\n    <p class=\"c-category-alert--teal__description\">The majority of declined transactions are false positives, which makes blacklisting customers a very risky gamble.<\/p>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The main problem with blacklists is the way they\u2019re built. Blocking certain accounts based on orders that were declined due to fraud sounds logical, but the strategy is problematic in many ways:<\/p>\n\n\n\n<ul class=\"c-checklist c-checklist--style-3\">\n<li class=\"c-checklist__item\" aria-level=\"1\">It assumes all those declined orders were fraudulent. Statistically speaking, that probably isn\u2019t true.<\/li>\n<li class=\"c-checklist__item\" aria-level=\"1\">It assumes that every element of the account is equally fraudulent. This is also unlikely.<\/li>\n<li class=\"c-checklist__item\" aria-level=\"1\">Because the data only moves in one direction, accounts added to the list stay on the list, even if the account was added by mistake.<\/li>\n<li class=\"c-checklist__item\" aria-level=\"1\">Since accounts aren\u2019t added to the list until after the fraudulent event, blacklists can\u2019t anticipate initial instances of fraud.<\/li>\n<li class=\"c-checklist__item\" aria-level=\"1\">These lists are seldom updated and quickly become inaccurate.<\/li>\n<\/ul>\n\n\n\n\n<p class=\"wp-block-paragraph\">Without the most current and accurate information on your customer blacklist, legitimate transactions can easily be flagged as fraud. Good buyers will get falsely declined and added to the list for future rejection. This is a serious concern: <a href=\"https:\/\/optimus.tech\/blog\/false-declines-the-authorization-optimization-gap-costing-usd3-for-every-usd1-in-processing-fees\" target=\"_blank\" rel=\"noopener\">recent data shows that<\/a> 60-65% of declined transactions are from legitimate customers, <em>not<\/em> fraudsters. Studies also indicate that more than a third of falsely declined customers will never return to the merchant, representing permanent revenue loss.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">One false decline is bad enough, but keep in mind you\u2019re also talking about blacklisting future sales based on legitimate orders that were simply mislabeled. The problem feeds on itself, and soon your <a href=\"https:\/\/chargebacks911.com\/chargeback-blacklist\/\">chargeback abuse database<\/a> is costing you more than it\u2019s saving.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This problem is compounded by the fact that fraud is typically discovered (and in the case of friendly fraud, actually happens) after the transaction. Fraud blacklists are reactive; to build an internal fraud blacklist essentially requires you to be victimized by a fraudster at least once in order to identify them as a threat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Internal Blacklists vs. Shared Blacklists: What\u2019s the Difference?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The most obvious weakness of an internal blacklist is, like we mentioned above, the fact that you can\u2019t identify fraudsters and add them to an internal blacklist without first getting hit by them. Beyond that, internal blacklists also contain static programming with limited ability to update and diversify information streams.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">By using an internal blacklisting solution, you ostensibly restrict yourself to <a href=\"https:\/\/chargebacks911.com\/manual-fraud-review\/\">manual review of every flagged user<\/a> and situation that triggers a decline. Since an internal blacklist lacks the framework to connect to outside sources for additional information, human oversight is mandatory.<\/p>\n\n\n\n<div class=\"c-custom-cta c-custom-cta--red\">\n    <div class=\"c-custom-cta__inner\">\n        \n        <div class=\"c-custom-cta__content\">\n            <h4 class=\"c-custom-cta__title\">Fraud management doesn\u2019t have to be an uphill battle.<\/h4>\n            <p class=\"c-custom-cta__description\">Click below and simplify your strategy today.<\/p>\n            <a class=\"c-btn c-btn--primary c-custom-cta__btn\" data-open-demo-modal>Request a Demo<\/a>\n        <\/div>\n\n        <div class=\"c-custom-cta__graphics\">\n            <div class=\"c-custom-cta__graphics-inner\">\n                <div class=\"c-custom-cta__image\">\n                                    <img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/themes\/CB911\/assets\/img\/shortcodes\/cta\/cta--revenue-recovered.png\" alt=\"The Original End-to-End Chargeback Management Platform\"\/>\n                            <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Shared blacklists (also called common blacklists), on the other hand, are databases shared between merchants across a greater network or information pool. Using a \u201cstrength in numbers\u201d approach, you can collect and share information from other merchants\u2019 fraud prevention networks. This lets you identify and respond to undesirable users more swiftly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Although the latter approach seems a reasonable solution to the issues inherent to internal blacklists, using a shared fraud blacklist can also be problematic. Remember that the internal processes for attributing users to blacklists are already imperfect. So, it stands to reason that sharing this flawed data with a network of merchants only compounds the problem. If the data was erroneous before it was shared, passing it around won\u2019t improve the situation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Shared Blacklists &amp; Data Privacy Laws<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Aside from all the hurdles outlined above, shared blacklists also raise serious questions about data privacy and security.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before participating in shared blacklists, consult legal counsel regarding data privacy regulations like GDPR and CCPA. Sharing customer information \u2014 names, emails, addresses, payment details \u2014 across businesses without consent may violate privacy laws in certain jurisdictions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Most legitimate shared blacklist services operate through anonymized or tokenized data, or are managed by payment processors who have the appropriate data-sharing agreements in place. Don\u2019t just <em>assume<\/em> that informal blacklist-sharing arrangements between merchants are legally compliant.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Using TC40\/SAFE Data to Build Smarter Blacklists<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When cardholders report unauthorized transactions, their issuing banks don\u2019t just process refunds; they also file fraud reports with the card networks. <a href=\"https:\/\/chargebacks911.com\/tc40-data\/\">Visa calls these reports TC40 data<\/a>, while Mastercard\u2019s version is called SAFE (System to Avoid Fraud Effectively). This reporting system is how the industry tracks fraud patterns across merchants.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">TC40\/SAFE data can reveal fraud activity that never appears in your <a class=\"wpil_keyword_link\" href=\"https:\/\/chargebacks911.com\/chargeback-report\/\" title=\"Chargeback Report\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"3982\">chargeback reports<\/a>. For low-dollar transactions, issuers often reimburse cardholders directly rather than initiating the full chargeback process. For example, card testing attacks \u2014 where fraudsters make small purchases to validate stolen card numbers \u2014&nbsp; frequently fall into this category. Without TC40\/SAFE data, you might not realize you\u2019re being targeted until the fraudster moves on to larger purchases.<\/p>\n\n\n\n<div class=\"c-icon-boxes c-icon-box--two\">\n    <div class=\"c-icon-box c-box-glow--red\">\n        <div class=\"c-icon-box__inner\">\n\n            <div class=\"c-icon-box__icon\">\n                <img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2021\/10\/NEW-ICONS-DuoTone-Lineal-Icons_DuoTone-Iconz_DuoTone-Iconz-07.svg\" alt=\"Chargeback Analyst\"\/>\n            <\/div>\n\n            <h3 class=\"c-icon-box__title c-icon-box__title--center\">How to Access This Data<\/h3>\n            <p class=\"c-icon-box__copy\">Merchants don\u2019t automatically receive TC40\/SAFE reports. However, you can request this data from your acquirer. Some acquirers provide it readily; others may require you to specifically opt in. Third-party fraud prevention services may also incorporate this network-level fraud intelligence into their shared blacklist offerings.<\/p>\n\n        <\/div>\n    <\/div>\n\n    <div class=\"c-icon-box c-box-glow--blue\">\n        <div class=\"c-icon-box__inner\">\n\n            <div class=\"c-icon-box__icon\">\n                <img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2021\/12\/chargeback-management-software-DuoTone-Lineal-Icons_DuoTone-Iconz-copy-17.svg\" alt=\"Chargeback Manager\"\/>\n            <\/div>\n\n            <h3 class=\"c-icon-box__title c-icon-box__title--center\">Why it Matters<\/h3>\n            <p class=\"c-icon-box__copy\">If you\u2019re building or refining a fraud blacklist, TC40\/SAFE data can help you identify patterns that chargeback data alone would miss. You\u2019re not just limited to your own transaction history; some shared blacklist services incorporate this fraud intelligence, giving you visibility into threats identified across the broader payment ecosystem.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Fraud Blacklisting vs. Whitelisting<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A blacklist is much like blocking a number on your phone. You block specific users associated with fraudulent activity. You can also flip the blacklist idea on its head, though, and set up a fraud whitelist.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A&nbsp; fraud whitelist is basically the same idea, only reversed. Rather than ban certain people, a whitelist blocks everyone except those matching select criteria. For example, you can ban everyone except customers in the US and Canada, if you wish. The idea here is to reject orders from regions or countries that are associated with a higher fraud risk.<\/p>\n\n\n\n<div class=\"chris-columns fix-christable\">\n<div class=\"chris-columns__item christable-item\">\n<p class=\"chris-columns__title\" style=\"text-align: center;\">Blacklisting<\/p>\n<p style=\"padding: 40px 20px 0px 20px; text-align: center;\">Blocks access from suspicious users<\/p>\n<hr style=\"width: 50%; margin: auto;\"\/>\n<p style=\"padding: 40px 20px 0px 20px; text-align: center;\">Allows access to everyone not identified as suspicious<\/p>\n<hr style=\"width: 50%; margin: auto;\"\/>\n<p style=\"padding: 40px 20px 0px 20px; text-align: center;\">Allowing access is the default<\/p>\n<hr style=\"width: 50%; margin: auto;\"\/>\n<p style=\"padding: 40px 20px 0px 20px; text-align: center;\">Decisioning is based on perceived threat level<\/p>\n<\/div>\n<div class=\"vstext\">VS<\/div>\n<div class=\"chris-columns__item christable-item\">\n<p class=\"chris-columns__title\" style=\"text-align: center;\">Whitelisting<\/p>\n<p style=\"padding: 40px 20px 0px 20px; text-align: center;\">Allows access only to approved users<\/p>\n<hr style=\"width: 50%; margin: auto;\"\/>\n<p style=\"padding: 40px 20px 0px 20px; text-align: center;\">Blocks access to everyone except those identified as safe<\/p>\n<hr style=\"width: 50%; margin: auto;\"\/>\n<p style=\"padding: 40px 20px 0px 20px; text-align: center;\">Rejecting access is the default<\/p>\n<hr style=\"width: 50%; margin: auto;\"\/>\n<p style=\"padding: 40px 20px 0px 20px; text-align: center;\">Decisioning is based on perceived trust level<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">As you might suspect, whitelists are problematic, too. Obviously, a whitelist blocks many good accounts that might want to make a purchase. It can also provide a false sense of security.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In the end, a fraud whitelist is probably too expansive and vast to be effective. It can lead you to reject a lot of good orders, while fraudsters operating from your target customer region go undetected.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is Fraud Graylisting?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Graylisting is another antifraud tactic that is less widely discussed, but is perhaps more useful than blacklisting or whitelisting alone.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Graylists can be set up as a security tool, sending the network administrator or CRM a notification that a particular user meets the predetermined criteria for either blacklisting or whitelisting. When users get placed on a graylist, they are temporarily banned until you can review them and determine if their transactions are fraudulent or not.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, to utilize graylisting for email, a spam filter might temporarily block an email it is unsure if it should accept. If a sender resends the email relatively soon afterward, the message will be approved. The reason for this is that the majority of spam is bot-driven, and won\u2019t try to resend emails once it's been notified that the message was blocked. A real user, however, would.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fraud graylists combine the benefits of the two methods without many of their downsides. When used in tandem with either of the aforementioned tactics, a graylist can provide a necessary buffer between the two.<\/p>\n\n\n\n<div class=\"c-shortcode-ebook c-shortcode-ebook--guide\"><a href=\"https:\/\/ad.chargebacks911.com\/50-insider-tips-for-preventing-chargebacks\/\" class=\"c-shortcode-ebook__block\" target=\"_blank\"><div class=\"c-shortcode-ebook__inner\"><div class=\"c-shortcode-ebook__graphics\"><div class=\"c-shortcode-ebook__graphics-inner\"><div class=\"c-shortcode-ebook__ipad\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/themes\/CB911\/assets\/img\/shortcodes\/ebooks\/ipad--insider-tips.png\" alt=\"50\" insider=\"\" tips=\"\" for=\"\" preventing=\"\" more=\"\" chargebacks=\"\"\/>\n\t\t\t<\/div>\n\t\t\t<div class=\"c-shortcode-ebook__cover\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/chargebacks911.com\/wp-content\/themes\/CB911\/assets\/img\/shortcodes\/ebooks\/cover--insider-tips.png\" alt=\"50\" insider=\"\" tips=\"\" for=\"\" preventing=\"\" more=\"\" chargebacks=\"\"\/>\n\t\t\t<\/div><\/div><\/div><div class=\"c-shortcode-ebook__content\"><span class=\"c-shortcode-ebook__title\"><span>50 Insider Tips for<\/span> Preventing More Chargebacks<\/span><p class=\"c-shortcode-ebook__description\">In this exclusive guide, we outline the 50 most effective tools and strategies to reduce the overall number of chargebacks you receive.<\/p><span class=\"c-btn c-btn--primary c-shortcode-ebook__btn\">Get the FREE guide<\/span><\/div><\/div><div class=\"c-shortcode-ebook__close\" data-shortcode-ebook-close=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 20 20\" fill=\"currentColor\"><path fill-rule=\"evenodd\" d=\"M4.293 4.293a1 1 0 011.414 0L10 8.586l4.293-4.293a1 1 0 111.414 1.414L11.414 10l4.293 4.293a1 1 0 01-1.414 1.414L10 11.414l-4.293 4.293a1 1 0 01-1.414-1.414L8.586 10 4.293 5.707a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg><\/div><\/a><div class=\"c-shortcode-ebook__overlay\"><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Platform-Specific Blacklisting Tools<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re running an eCommerce store, your platform likely offers built-in or third-party blacklisting capabilities. Here\u2019s a quick overview of what\u2019s available on major platforms:<\/p>\n\n\n\n<div class=\"c-icon-list\">\n<div class=\"c-icon-list__item\"><div class=\"c-icon-list__icon\"><object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2021\/12\/Shopify-Logo-DuoTone-Lineal-Icons_DuoTone-Iconz.svg\" type=\"image\/svg+xml\"><\/object><\/div><div class=\"c-icon-list__content\"><h3 class=\"c-icon-list__title\">Shopify<\/h3><div class=\"c-icon-list__text\">\n<p class=\"wp-block-paragraph\">The Shopify <a class=\"wpil_keyword_link\" href=\"https:\/\/chargebacks911.com\/fraud-filters\/\" title=\"Fraud Filters\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"3983\">Fraud Filter<\/a> app allows you to create rules that automatically cancel orders or flag them for review based on attributes like email address, IP address, shipping country, and more. Shopify Flow (available on higher-tier plans) offers additional automation options.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"c-icon-list__item\"><div class=\"c-icon-list__icon\"><object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2026\/04\/NEW-ICONS-DuoTone-WooCommerce-Logo.svg\" type=\"image\/svg+xml\"><\/object><\/div><div class=\"c-icon-list__content\"><h3 class=\"c-icon-list__title\">WooCommerce<\/h3><div class=\"c-icon-list__text\">\n<p class=\"wp-block-paragraph\">Various fraud prevention plugins are available, including WooCommerce Anti-Fraud and dedicated blacklist plugins that let you block customers by email, IP, phone number, or address. Configuration options vary by plugin.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"c-icon-list__item\"><div class=\"c-icon-list__icon\"><object data=\"https:\/\/chargebacks911.com\/wp-content\/uploads\/2026\/04\/NEW-ICONS-DuoTone-BigCommerce-Logo.svg\" type=\"image\/svg+xml\"><\/object><\/div><div class=\"c-icon-list__content\"><h3 class=\"c-icon-list__title\">BigCommerce<\/h3><div class=\"c-icon-list__text\">\n<p class=\"wp-block-paragraph\">Built-in fraud protection tools include the ability to block specific IP addresses and set up custom security rules. Third-party integrations expand these capabilities.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Keep in mind that platform-native blacklisting tools are often limited in scope and sophistication. They typically work well for basic blocking but lack the dynamic updating, behavioral analysis, and cross-merchant intelligence that dedicated fraud prevention services provide. If you have significant fraud exposure \u2014 for example, you\u2019re in a high-risk product category or location \u2014 platform tools should be considered a starting point, rather than a complete solution.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Which Approach is Best for Fraud Detection?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Time for the million-dollar question: <em>which approach is right for your business<\/em>? To determine this, let\u2019s break down when each method has the most utility.<\/p>\n\n\n\n<div class=\"margin\">\n<h3 class=\"hot2\"><span class=\"redletter parap\">#1<\/span> <span class=\"yellowline\">|<\/span> <span class=\"blackhead\">When to Use a Fraud Blacklist<\/span><\/h3>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">As mentioned above, blacklists are lower-maintenance on the front end and often easiest to access and implement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If minimizing administrative effort and making it easy for your customers to buy from you is more valuable to you than stopping the occasional fraudulent or blocked transaction, then blacklisting is the way to go. Blacklisting offers:<\/p>\n\n\n\n<ul class=\"c-checklist c-checklist--style-1\">\n<li class=\"c-checklist__item\">Wide public access<\/li>\n<li class=\"c-checklist__item\">Minimal administrative effort<\/li>\n<li class=\"c-checklist__item\">Less restriction<\/li>\n<\/ul>\n\n\n\n\n<div class=\"margin\">\n<h3 class=\"hot2\"><span class=\"redletter parap\">#2<\/span> <span class=\"yellowline\">|<\/span> <span class=\"blackhead\">When to Use Fraud Whitelisting<\/span><\/h3>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Whitelisting works best on a private system and generally operates more efficiently when you require stricter access control. Aside from these, whitelists are better at restricting or approving certain behaviors such as access to computers, POS systems, etc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Whitelisting is less versatile than blacklisting, but it\u2019s more predictable for specific uses, and offers a broader range of customizable actions. Benefits of whitelisting include:<\/p>\n\n\n\n<ul class=\"c-checklist c-checklist--style-1\">\n<li class=\"c-checklist__item\">Limited public access<\/li>\n<li class=\"c-checklist__item\">Administrative effort isn\u2019t a problem<\/li>\n<li class=\"c-checklist__item\">A controlled environment<\/li>\n<\/ul>\n\n\n\n\n<div class=\"margin\">\n<h3 class=\"hot2\"><span class=\"redletter parap\">#3<\/span> <span class=\"yellowline\">|<\/span> <span class=\"blackhead\">When to Use Graylists<\/span><\/h3>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Implementing a graylist in combination with a blacklist or whitelist, or using multiple tools at different administrative levels in your organization, may be the best possible solution.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For instance, an ideal practice might be to use blacklisting for detecting and blocking spam or fraudulent transactions while using a whitelist for approved application members. Another way to do this might be to blacklist malicious IP addresses while whitelisting expected application behaviors. In either scenario, a graylist could round out the equation by shifting potentially risky users into temporary holding patterns until you can determine which list (if any) the user belongs in.<\/p>\n\n\n\n<ul class=\"c-checklist c-checklist--style-1\">\n<li class=\"c-checklist__item\">Flexibility<\/li>\n<li class=\"c-checklist__item\">Best balance of security and openness to buyers<\/li>\n<li class=\"c-checklist__item\">Blocks most obvious attacks without impacting legitimate users<\/li>\n<\/ul>\n\n\n\n\n<h2 class=\"wp-block-heading\">Multi-Tiered Fraud Solutions are Key<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">On the surface, fraud blacklists (and whitelists) might seem like simple, straightforward, fraud-prevention tools. However, we\u2019ve learned that they\u2019re far less effective than they appear and can lead you to reject legitimate transactions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Reacting to fraud by creating broader blacklist parameters is not the solution. Effectively preventing fraud means proactively identifying and resolving as many issues as possible before they manifest. But getting out in front of the problem is tricky\u2014that\u2019s why, in most cases, you\u2019re better off bringing in professional help.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Among merchants, blacklists are popular because they\u2019re simple and easy to understand. However, the tools and methods that work best are not simple: they\u2019re necessarily complex because the problem of identifying fraud is also complex. The most effective fraud detection and <a class=\"wpil_keyword_link\" href=\"https:\/\/chargebacks911.com\/prevent-chargebacks\/\" title=\"Chargeback Prevention\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1301\">chargeback prevention<\/a> approach will always rely on multiple automated processes and human involvement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At Chargebacks911\u00ae, we combine expert human analysis with our own proprietary technologies to create the most powerful chargeback and <a href=\"https:\/\/chargebacks911.com\/fraud-solutions\/\">fraud management solutions<\/a> available. Plus, all our solutions are backed by the industry\u2019s only performance-based ROI guarantee. Continue below to learn more.<\/p>\n\n\n\n<div class=\"c-shortcode-faq\" data-shortcode-faq=\"true\" class=\"wp-block-cb911-block-library-faq\"><div class=\"c-shortcode-faq__inner\"><h2 class=\"c-shortcode-faq__heading joli-heading\" id=\"faqs\">FAQs<\/h2><div class=\"c-shortcode-faq__items\">\n\n<div class=\"c-shortcode-faq__item\" data-shortcode-faq-item=\"true\" class=\"wp-block-cb911-block-library-faq-item\"><div class=\"c-shortcode-faq__item-inner\"><div class=\"c-shortcode-faq__icons\"><div class=\"c-shortcode-faq__icons-inner\"><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--minus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--plus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><\/div><\/div><h3 class=\"c-shortcode-faq__question\">What does it mean when a customer is blacklisted?<\/h3><p class=\"c-shortcode-faq__answer\">If a customer is blacklisted, any order they place will be automatically declined. Sometimes, if the customer has made several questionable transactions with a merchant, their information will be passed on to the credit card network as a fraudulent account. This means the customer could be blacklisted by the merchant, but also lose account access with their card network pending further investigation.<\/p><\/div><\/div>\n\n\n<div class=\"c-shortcode-faq__item\" data-shortcode-faq-item=\"true\" class=\"wp-block-cb911-block-library-faq-item\"><div class=\"c-shortcode-faq__item-inner\"><div class=\"c-shortcode-faq__icons\"><div class=\"c-shortcode-faq__icons-inner\"><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--minus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--plus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><\/div><\/div><h3 class=\"c-shortcode-faq__question\">Do fraud blacklists work?<\/h3><p class=\"c-shortcode-faq__answer\">Partially. Blacklists can be very effective at filtering out fraudsters. However, they also increase false declines by blocking orders with similar information or by blocking legitimate customers who have been flagged for mistyped or incidental account details.<\/p><\/div><\/div>\n\n\n<div class=\"c-shortcode-faq__item\" data-shortcode-faq-item=\"true\" class=\"wp-block-cb911-block-library-faq-item\"><div class=\"c-shortcode-faq__item-inner\"><div class=\"c-shortcode-faq__icons\"><div class=\"c-shortcode-faq__icons-inner\"><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--minus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--plus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><\/div><\/div><h3 class=\"c-shortcode-faq__question\">How long does a blacklist last?<\/h3><p class=\"c-shortcode-faq__answer\">Blacklisted accounts will stay blocked until they are manually removed from the list. And since internal blacklists tend to be static, with no process in place to regularly update the information over time, you won\u2019t only be missing out on current orders: you\u2019ll likely be cutting out customers for life.<\/p><\/div><\/div>\n\n\n<div class=\"c-shortcode-faq__item\" data-shortcode-faq-item=\"true\" class=\"wp-block-cb911-block-library-faq-item\"><div class=\"c-shortcode-faq__item-inner\"><div class=\"c-shortcode-faq__icons\"><div class=\"c-shortcode-faq__icons-inner\"><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--minus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--plus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><\/div><\/div><h3 class=\"c-shortcode-faq__question\">What is a fraud blacklist?<\/h3><p class=\"c-shortcode-faq__answer\">A fraud blacklist is a database built to predict fraud based on previous interactions. Any time fraudulent activity is identified, pertinent details from that transaction are recorded on a blacklist. All future transactions are compared to that list, and if another order is ever placed using those details, the order is automatically declined.<\/p><\/div><\/div>\n\n\n<div class=\"c-shortcode-faq__item\" data-shortcode-faq-item=\"true\" class=\"wp-block-cb911-block-library-faq-item\"><div class=\"c-shortcode-faq__item-inner\"><div class=\"c-shortcode-faq__icons\"><div class=\"c-shortcode-faq__icons-inner\"><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--minus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><div class=\"c-shortcode-faq__icon c-shortcode-faq__icon--plus\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M20 12H4\"><\/path><\/svg><\/div><\/div><\/div><h3 class=\"c-shortcode-faq__question\">How does a fraud blacklist work?<\/h3><p class=\"c-shortcode-faq__answer\">Depending on the parameters set by the merchant, automatic addition to the blacklist can be based on IP address, email address, physical address, credit card number, or other variables. Orders tied to any of these variables are then automatically rejected. Merchants can even choose to block orders from an entire country or region if too many fraudulent orders were received from the same area.<\/p><\/div><\/div>\n\n<\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<h2 class=\"wp-block-heading\">Fraud Blacklisting &amp; Whitelisting: Is Either Approach Right for Your Business?<\/h2>\n<p>The term \u201cblacklist\u201d sounds ominous. However, it actually refers to a standard tool that many merchants use to prevent fraud.<\/p>\n<p>In theory, banning sales to a list of accounts you believe to be invalid should lower the risk posed to you by fraudulent transactions.<\/p>\n<div><a class=\"btn-filled btn\" href=\"https:\/\/chargebacks911.com\/fraud-blacklists\/\" title=\"Fraud Blacklists\">Read More<\/a><\/div>\n","protected":false},"author":9192225,"featured_media":97779,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_crdt_document":"","inline_featured_image":false,"footnotes":""},"categories":[55],"tags":[43,42,95,79,92],"class_list":["post-23860","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fraud-prevention","tag-fraud","tag-prevention","tag-protection","tag-technology","tag-tools"],"acf":[],"_links":{"self":[{"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/posts\/23860","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/users\/9192225"}],"replies":[{"embeddable":true,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/comments?post=23860"}],"version-history":[{"count":20,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/posts\/23860\/revisions"}],"predecessor-version":[{"id":97965,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/posts\/23860\/revisions\/97965"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/media\/97779"}],"wp:attachment":[{"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/media?parent=23860"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/categories?post=23860"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/chargebacks911.com\/wp-json\/wp\/v2\/tags?post=23860"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}