Card Testing

Card Testing

Card testing is a common type of fraud where fraudsters test a large number of stolen credit card numbers. Fraudsters acquire stolen partial or full card credentials and use them to make small purchases on a website to determine the validity of a credit card. If they receive an approval, they will know the card is valid and use it to make a larger fraudulent purchase elsewhere. They would use different tools, bots, or scripts, that submit hundreds to thousands of card not present (CNP) transaction requests on an e-commerce site within minutes. Sometimes, if a merchant's credentials are stolen or guessed, this type of fraud can occur even if you don't have an e-commerce site.

These types of attacks can be harmful to merchants as this can result in extremely large transaction fees, chargeback/dispute fees, and could potentially expose the merchant to additional fraud.

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