[rwmurrayVT]

It seems Spreedy is the solution I'm talking about. I can't say with absolute certainty. Their website says it uses api.stripe.com, which is great. Basically, any code that passes directly to Stripe's API instead of to Stripe.JS/Checkout.

If you strip away the "buyer's" IP then a lot of their ability to detect fraudulent transactions goes away. They still have account based limits and other methods, but my personal opinion is the anecdotal increase in difficulty of creating fraudulent Stripe accounts is due to Radar based detection.