![]() They may also sell validated card numbers on the dark web for a higher price than they could get for card numbers that haven't been tested.įraudsters have to be careful with newly acquired payment credentials-too many declines on big, noticeable purchases and the card will get shut off before they can buy anything with it. If the small purchase is successful, the fraudster starts making larger purchases to get as much as they can out of the card before the fraud is detected. In order to combat this threat, merchants need to know what card testing is, how it works, and what they can do to prevent it.Ĭard testing, also known as card cracking, is when a fraudster with a stolen credit card number makes a small purchase to check if the card is active and if the purchase avoids the merchant's fraud detection measures. In addition, those chargebacks will increase the merchant's chargeback ratio, putting them at risk of financial consequences from chargeback monitoring programs like the Visa Dispute Monitoring Program. Depending on the transaction amount, successful tests may result in chargebacks for the merchant, and since card testing usually takes place in large batches, a merchant could get hit with a whole lot of chargebacks all at once. While the purchase amounts in card testing attacks are usually small, they hurt merchants in other ways as well. It also cuts across the spectrum when it comes to business size, with small, mid-market, and enterprise businesses all reporting high rates of card testing. In fact, it was the most common form of fraud experienced by merchants in North America in 2021. Analyzing and Preventing Fraud ChargebacksĬard testing is one of the largest threats to modern e-commerce merchants, especially those in the United States.What Tools Should Merchants Use to Prevent Card Testing?.What Makes Card Testing Dangerous for Merchants?. MULTIPLE CREDIT CARD VALIDATOR HOW TOTIPS: Preventing Card Testing Fraud FAQ: Fraud Monitoring with TC40 and SAFE Mandate: Visa Free Trial & Subscription FAQ: What is a chargeback? How do I prevent them? FAQ: Visa Merchant Purchase Inquiry (VMPI) TIPS: How to Prevent Recurring Billing Chargebacks FAQ: Chargeback Alerts - Guaranteed Prevention Table of Contents ![]()
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