https://merchantfraudguide.com/ Stop the bad order before it ships en Sun, 11 Oct 2026 22:24:18 +0000 https://merchantfraudguide.com/avs-cvv/cvv-mismatch https://merchantfraudguide.com/avs-cvv/cvv-mismatch Sun, 11 Oct 2026 22:24:17 +0000 A failed CVV check is a warning sign, not a verdict. Here is how to read it and what to do next. https://merchantfraudguide.com/refund-abuse/refund-abuse-prevention https://merchantfraudguide.com/refund-abuse/refund-abuse-prevention Sun, 11 Oct 2026 22:24:17 +0000 Refund abuse never touches the bank or card network, so it slips past fraud teams. Here is how to spot the patterns and stop repeat abuse. https://merchantfraudguide.com/refund-abuse/refund-abuse-guide https://merchantfraudguide.com/refund-abuse/refund-abuse-guide Sun, 11 Oct 2026 22:24:17 +0000 The payment was real. The money left through your own refund button. Here is what refund abuse is and how to catch it. https://merchantfraudguide.com/fraud-tools/stripe-radar-block-lists https://merchantfraudguide.com/fraud-tools/stripe-radar-block-lists Sun, 11 Oct 2026 22:24:17 +0000 Radar lists hold emails, IPs and card fingerprints that your rules can act on. Here is how the default lists work and when to build your own. https://merchantfraudguide.com/fraud-tools/manual-fraud-review https://merchantfraudguide.com/fraud-tools/manual-fraud-review Sun, 11 Oct 2026 22:24:17 +0000 Automated rules score every order in a second. Manual review is where a person looks at the odd ones before the box ships. https://merchantfraudguide.com/fraud-tools/adyen-risk-rules https://merchantfraudguide.com/fraud-tools/adyen-risk-rules Sun, 11 Oct 2026 22:24:17 +0000 Adyen's risk rules sit in risk profiles you attach to a merchant account. Here is how the actions, lists and testing fit together. https://merchantfraudguide.com/fraud-tools/stripe-radar-3ds https://merchantfraudguide.com/fraud-tools/stripe-radar-3ds Sun, 11 Oct 2026 22:24:17 +0000 You can ask Radar to trigger 3-D Secure on a risky payment. The issuer still decides what the customer sees. https://merchantfraudguide.com/fraud-tools/stripe-radar-for-fraud-teams https://merchantfraudguide.com/fraud-tools/stripe-radar-for-fraud-teams Sun, 11 Oct 2026 22:24:17 +0000 Radar is already watching your Stripe payments. Here is what it scores, what it blocks, and where your team goes next. https://merchantfraudguide.com/fraud-tools/stripe-radar-rules https://merchantfraudguide.com/fraud-tools/stripe-radar-rules Sun, 11 Oct 2026 22:24:17 +0000 Radar rules let you allow, block or review payments with your own logic. Here is how to write them without blocking good customers. https://merchantfraudguide.com/avs-cvv/avs-mismatch-but-address-is-correct https://merchantfraudguide.com/avs-cvv/avs-mismatch-but-address-is-correct Sun, 11 Oct 2026 22:24:17 +0000 A real customer can fail the address check. Here are the innocent causes, how to read the code, and how to decide without turning away good buyers. https://merchantfraudguide.com/avs-cvv/avs-response-codes https://merchantfraudguide.com/avs-cvv/avs-response-codes Sun, 11 Oct 2026 22:24:17 +0000 A plain guide to the main AVS response codes, what each one tells you, and how to act on the result without punishing good customers. https://merchantfraudguide.com/avs-cvv/avs-mismatch https://merchantfraudguide.com/avs-cvv/avs-mismatch Sun, 11 Oct 2026 22:24:17 +0000 An AVS mismatch is a warning, not proof of fraud. Here is what the check compared, why good orders fail it, and what to do next. https://merchantfraudguide.com/3d-secure/emv-3d-secure https://merchantfraudguide.com/3d-secure/emv-3d-secure Sun, 11 Oct 2026 22:24:17 +0000 The EMVCo protocol that checks a card-not-present shopper without unnecessary friction at checkout. What it does, what it leaves to you, and how to add it. https://merchantfraudguide.com/3d-secure/3d-secure-paypal https://merchantfraudguide.com/3d-secure/3d-secure-paypal Sun, 11 Oct 2026 22:24:17 +0000 PayPal supports 3-D Secure in two payment flows. Here is how to pick an SCA setting, set the return and cancel URLs, and track liability shift. https://merchantfraudguide.com/3d-secure/3d-secure-enabled https://merchantfraudguide.com/3d-secure/3d-secure-enabled Sun, 11 Oct 2026 22:24:17 +0000 Having 3-D Secure enabled sounds like a switch you control. In practice the issuing bank decides a lot of what your customer sees. https://merchantfraudguide.com/3d-secure/3d-secure-protocol https://merchantfraudguide.com/3d-secure/3d-secure-protocol Sun, 11 Oct 2026 22:24:17 +0000 What 3-D Secure is, who runs it, how the two flows work, and what it will and will not do for your store. https://merchantfraudguide.com/3d-secure/3d-secure-payment-gateway https://merchantfraudguide.com/3d-secure/3d-secure-payment-gateway Sun, 11 Oct 2026 22:24:17 +0000 What 3D Secure does, who runs the challenge, and how liability shift really works when you pick a gateway. https://merchantfraudguide.com/3d-secure/how-does-3d-secure-work https://merchantfraudguide.com/3d-secure/how-does-3d-secure-work Sun, 11 Oct 2026 22:24:17 +0000 A real-time identity check layered onto your online card payments. Here is what happens between checkout and authorization, and what it means for fraud. https://merchantfraudguide.com/3d-secure/3d-secure-2 https://merchantfraudguide.com/3d-secure/3d-secure-2 Sun, 11 Oct 2026 22:24:17 +0000 3D Secure 2 checks that the shopper is the cardholder before the payment clears. Here is how the two flows work and what to expect when you add it. https://merchantfraudguide.com/3d-secure/visa-3d-secure https://merchantfraudguide.com/3d-secure/visa-3d-secure Sun, 11 Oct 2026 22:24:17 +0000 Visa Secure is Visa's EMV 3DS program. Here is how the authentication flow runs at checkout and why it cuts card-not-present fraud. https://merchantfraudguide.com/3d-secure/3d-secure-authentication-failed https://merchantfraudguide.com/3d-secure/3d-secure-authentication-failed Sun, 11 Oct 2026 22:24:17 +0000 The error means the cardholder's bank did not finish its identity check. Here is what happened, what you control, and what to tell the customer. https://merchantfraudguide.com/3d-secure/3d-secure-guide https://merchantfraudguide.com/3d-secure/3d-secure-guide Sun, 11 Oct 2026 22:24:17 +0000 What the 3D Secure screen at checkout is, how the check runs, and what it does and does not do for fraud and liability. https://merchantfraudguide.com/card-testing/shopify-bot-protection https://merchantfraudguide.com/card-testing/shopify-bot-protection Sun, 11 Oct 2026 22:24:17 +0000 Shopify bot protection keeps checkout open for real buyers during a product drop. It is not a fraud tool. Here is what it covers and where its limits sit. https://merchantfraudguide.com/card-testing/card-testing-attack https://merchantfraudguide.com/card-testing/card-testing-attack Sun, 11 Oct 2026 22:24:17 +0000 Someone is running stolen card numbers through your checkout in bulk. Here is how to spot it and what you can do. https://merchantfraudguide.com/card-testing/card-testing-guide https://merchantfraudguide.com/card-testing/card-testing-guide Sun, 11 Oct 2026 22:24:17 +0000 Someone is running stolen card numbers through your checkout in bulk. Here is how to spot the attack and slow it down. https://merchantfraudguide.com/fraud-prevention/stripe-ai-fraud-detection https://merchantfraudguide.com/fraud-prevention/stripe-ai-fraud-detection Sun, 11 Oct 2026 22:24:17 +0000 Stripe's Radar scores every payment with machine learning and gives it a risk level. Here is what the score means and what you can change. https://merchantfraudguide.com/fraud-prevention/shopify-fraud-analysis-high https://merchantfraudguide.com/fraud-prevention/shopify-fraud-analysis-high Sun, 11 Oct 2026 22:24:17 +0000 A high-risk flag in Shopify is a strong warning, not a verdict. Here is how to read it, what Shopify already did, and what to check before you ship. https://merchantfraudguide.com/fraud-prevention/fraud-analysis-medium-shopify https://merchantfraudguide.com/fraud-prevention/fraud-analysis-medium-shopify Sun, 11 Oct 2026 22:24:17 +0000 A medium fraud analysis result in Shopify is a request for a second look, not a verdict. Here is how to read it and decide. https://merchantfraudguide.com/fraud-prevention/card-not-present-fraud-prevention https://merchantfraudguide.com/fraud-prevention/card-not-present-fraud-prevention Sun, 11 Oct 2026 22:24:17 +0000 CNP fraud is the biggest online fraud problem. Here is a set of habits, in layers, that a small merchant can run at checkout. https://merchantfraudguide.com/fraud-prevention/card-not-present-fraud-detection https://merchantfraudguide.com/fraud-prevention/card-not-present-fraud-detection Sun, 11 Oct 2026 22:24:17 +0000 What your risk engine looks at before an order is authorized, and what you can set yourself. https://merchantfraudguide.com/fraud-prevention/card-testing-fraud https://merchantfraudguide.com/fraud-prevention/card-testing-fraud Sun, 11 Oct 2026 22:24:17 +0000 Someone is running stolen card numbers through your checkout in bulk. Here is what they are doing, what it costs you, and how to shut it down. https://merchantfraudguide.com/fraud-prevention/return-fraud-detection https://merchantfraudguide.com/fraud-prevention/return-fraud-detection Sun, 11 Oct 2026 22:24:17 +0000 Return fraud drains money through your own refund button. Here is how to spot the patterns in your order data and what to do about them. https://merchantfraudguide.com/fraud-prevention/account-takeover-fraud-detection https://merchantfraudguide.com/fraud-prevention/account-takeover-fraud-detection Sun, 11 Oct 2026 22:24:17 +0000 Someone logs in with a stolen password and shops on a saved card. Here is how to catch it before the order ships and the chargeback lands. https://merchantfraudguide.com/fraud-prevention/card-not-present-fraud https://merchantfraudguide.com/fraud-prevention/card-not-present-fraud Sun, 11 Oct 2026 22:24:17 +0000 No card, no reader, no way to see the buyer. Card not present fraud is the risk every online checkout carries, and here are the layers that reduce it. https://merchantfraudguide.com/fraud-prevention/account-takeover-fraud-prevention https://merchantfraudguide.com/fraud-prevention/account-takeover-fraud-prevention Sun, 11 Oct 2026 22:24:17 +0000 A stolen login can cost you more than one order. Here is how to spot a takeover and stop it before the money moves. https://merchantfraudguide.com/fraud-prevention/fraud-analysis-shopify https://merchantfraudguide.com/fraud-prevention/fraud-analysis-shopify Sun, 11 Oct 2026 22:24:17 +0000 Shopify scores each order for fraud risk before you fulfill it. Here is where the risk level lives, what it means, and what to do next. https://merchantfraudguide.com/fraud-prevention/account-takeover-fraud https://merchantfraudguide.com/fraud-prevention/account-takeover-fraud Sun, 11 Oct 2026 22:24:17 +0000 A thief logs into your customer's account, not yours. Here is how that turns into fraud at your checkout, and what to watch for. https://merchantfraudguide.com/fraud-prevention/first-party-fraud https://merchantfraudguide.com/fraud-prevention/first-party-fraud Sun, 11 Oct 2026 22:24:17 +0000 The card is real. The buyer is real. The dispute comes later, on purpose or by mistake. Here is how to see it coming. https://merchantfraudguide.com/fraud-prevention/ai-fraud-detection https://merchantfraudguide.com/fraud-prevention/ai-fraud-detection Sun, 11 Oct 2026 22:24:17 +0000 How AI and machine learning actually catch fraud at checkout, in plain English, and what to look for when you pick a tool. https://merchantfraudguide.com/fraud-prevention/fraud-scoring https://merchantfraudguide.com/fraud-prevention/fraud-scoring Sun, 11 Oct 2026 22:24:17 +0000 A fraud score turns a pile of risk signals into one number. Here is how to read it, act on it, and know when it is wrong. https://merchantfraudguide.com/refund-abuse/wardrobing-the-dress-that-came-back https://merchantfraudguide.com/refund-abuse/wardrobing-the-dress-that-came-back Sun, 11 Oct 2026 21:55:19 +0000 Bought, worn once, sent back with the tags tucked in. Wardrobing is refund abuse that looks like a normal return. https://merchantfraudguide.com/avs-cvv/an-order-that-failed-the-avs-check https://merchantfraudguide.com/avs-cvv/an-order-that-failed-the-avs-check Sun, 11 Oct 2026 21:55:19 +0000 A billing address that does not match is a warning, not a verdict. Here is how to read it before you pack the box.