[dangrossman]

Can you name a credit card processor that handles all of that stuff for you? Neither the old-school gateways (Authorize.net/etc) nor the new SaaSy stuff (Stripe/Braintree/etc) offer even risk scoring, let alone a comprehensive solution to fraud mitigation.

[unfunco]

Stripe does offer fraud protection, based on machine learning algorithms using data from their customers.

https://stripe.com/docs/fraud

[joshmn]

Stripe's fraud protection is HILARIOUSLY bad. I'm convinced they don't care about chargebacks; in fact, to get their fee for a chargeback, they need a $500 order.

They don't eat the loss; the card network does.

[thesimon]

I'm working on a side project using Stripe and at least most comments on the internet are saying that the fraud prevention provided by Stripe is rather weak. Adding additional providers like SiftScience looks like a good idea.

Full Disclosure: Not based on first hand experience, as the project is not launched yet.

[mrweasel]

Actually of the old-school most credit card processors will sell you fraud detection. It's just very expensive, to expensive for small businesses. Normally they're just resell something like ReD Shield, or MaxMind though.

The best option is to get a PSP that will let you do selective fraud detection. Then you funnel large order and first time orders through the fraud detection, and skip it on repeat customers. Otherwise it can become an expensive service.