The Challenge
Checkout was getting card-tested at 400 attempts per minute during off-peak hours. Stripe was flagging the account. Chargebacks were running $28k/month.
The Solution
Implemented invisible proof-of-work on checkout, added behavioural velocity checks server-side, rate-limited by device fingerprint, integrated Stripe Radar with custom rules tuned to their fraud patterns.
The Results
Card-testing attempts dropped 99% within 48 hours of deploy. Chargebacks fell from $28k/month to under $2.5k/month. Stripe account flag removed.
91%
Chargeback reduction
-99%
Card-testing attempts
$25.5k
Monthly fraud savings
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