Originally Posted by Xyntech
I guess one partial solution would be to make consumable items non-giftable. At least then you could take them all back without having to ban everyone.
Maybe you could also put restrictions that you have to meet before you can send or receive a gift.
Sending:
Have an active account at least 3 months old
Have reached a certain battle rank (to prevent idlers)
Spent a minimum amount of money in non gifted items in the shop ($20?)
Made a payment to the cash shop a minimum amount of time ago with the card you are using to purchase the gift (3 months?)
Gifts must be purchased as gifts. You can not gift an item after purchasing it for yourself.
Receiving:
Have an active account at least 3 months old
Have reached a certain battle rank (prevent idlers)
Recipient must agree to terms and conditions of receiving a gift, including loss of item if fraud was involved
If fraud is found to have occurred, the recipient gets a warning that if they accept any future gifts that turn out to be fraudulent purchases, disciplinary action may be taken against their account.
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I would love this. Most parents don't give their kids credit card info to buy stuff like this until they see a legitimate interest that has stood the test of an average child's attention span, three months is fine. Outfits would go crazy over it too, especially if you eventually had a deep customization system where you could basically design your armor but you had to pay to be able to use it in-game. Side note, you should be allowed to keep it private by setting it up as a favorite and sharing it with your outfit, or submitting it to the shop as another template for people to choose from.
I would recommend adding a forced waiting period on the first few items purchased using a new credit card no matter how old the account is. If it fits in the financial model, add the fraud prevention services that credit card companies already offer to other vendors to verify it on the spot. If that is too expensive for the majority of transactions you could at least use it for power-buyers, which I would define by transaction frequency. This will also keep the rich folks who may or may not think it is a status symbol buying the new stuff you release all the time.
As far as potentially receiving fraudulent items, I would be fine with having the item removed from my account. If it happened to me twice, I would be fine with extra scrutiny on my account, but please don't let some asshole troll ban people when they get their hands on a working set of numbers. You could avoid this by only allowing items to be gifted to your account by someone on your friends list, make all other gifts reviewable prior to accepting. One last note, please don't forget to have a one-time, if-you-save-my-credit-card-information-I-will-freak, payment option, and show the option for the SOE Authenticator in with a font size that scales up based on the amount of items you have purchased.