Card testing repeatedly or automatically tries card details to discover which remain usable. Attackers may send numerous small payment or authorisation attempts through a store. This differs from an ordinary customer retrying a failed payment.[1]
A surge in failed attempts can therefore matter more than revenue from successful transactions alone. Examine patterns across accounts and sessions and calibrate velocity controls to risk. Loose controls allow abuse, while overly strict blocks can exclude genuine buyers.[1] Avoid retaining unnecessary sensitive payment data for the investigation.
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Compiled with AI assistance using public sources. General explanation, not individual legal or tax advice. Describing a concept does not mean Zoloo offers it as a feature.