In this case, I am thinking about my security as a retailer more so than the security of my customers. We already use a secure merchant gateway for that. I have recently had a charge back for a digital product that I can prove the customer has downloaded. I have provided this to the bank and the extent of their “investigation” is to call the client, who says “nope, wasn’t me” and then bank refunds the money - leaving me up the creek.
I am just looking for further ways to provide evidence for when this happens in the future - and if I can at least stop people from masking their true location - then that might help -but it does not look like this can be done.
I have also looked at features like the 3D secure Visa and MasterCard options, but these are toothless tigers as the card holder has to register their card for such a service and if they don’t, then it does not matter if you have it activated with your bank and merchant services provider - if they are different to your bank like in my case - it will still go through and I am liable.
Very frustrating as a vendor that the banks just leave you swinging in the wind.
Thanks to the others that suggested ideas above.