What is card testing and how can merchant protect themselves

Card testing may not sound as harmful as other types of fraud, but it can cost merchants in lost revenue, dispute fees, lost merchandise, and increased dispute rates. In this post, we will dive into how fraudsters test cards and how merchants can detect and prevent card testing. Card testing is when a fraudster obtains a list of card credentials and attempts an online purchase with the stolen card number to test it. Once the fraudster can confirm that the credentials are valid, they can move on to larger purchases or sell the information for a more significant amount on the dark web. A fraudster may just be testing one card, or they could have thousands of card numbers. Read more…