[samaparicio]

I see this type of refining activity on our payment gateway logs. I can only imagine what it looks like at a major online retailer or SAAS service. It just goes to show how fundamentally broken is payment card processing at the moment, and how ripe it is for disruption.

[jcr]

My guess is you're talking about the logs from your business site, Ringio.com. The "refining" problem (testing stolen credit cards) is much worse for sites that generally receive small, one-off payments. One of the hardest hit groups is non-profit organizations who accept/solicit donations. They regularly get clobbered by charge-backs and other issues.