First, your credit card processor should be telling you if the shipping address the customer uses matches the one on their statement. The big one is the 3 digit security code that is on the back of the cards. Your processor should tell you if that matches or not as well.
Sometimes people move and don't update their billing address right away but there is no excuse for not having the 3 digit code match. If that doesn't match I cancel the order and reverse any commission immediately, no question.
I would indeed contact the affiliate about it, in a nice manner, and see his reaction... also, keep in mind that if it is fraud it might not be the affiliate doing it. It might actually be a person with stolen credit cards using the affiliates site that he just happened to come across.
Is the affiliate new? One of the biggest signs of affiliate fraud is getting leads/sales almost immediately after they sign up for your affiliate program...
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- Chet
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