Using AI to Combat Rising Card Testing
Fraud
Payments
MRC San Diego 2025
Sony Interactive Entertainment, LLC | Stripe
Sep 09, 2025
Presentations
Card testing, a behavior where fraudsters validate card details for unauthorized purchases, is surging. Visa reports 80% of merchants faced attacks last year, and Stripe has seen a 100-fold increase since 2019. This puts merchants at huge risks for losses or high processing costs. Despite this, by using AI models, dynamic controls, etc, merchants can better combat card testing. Fraud is always emerging, Stripe also observes more sophisticated, AI-driven, and distributed attacks in recent days, highlighting the need for community collaboration against this growing threat.
Key Takeaways:
- What is card testing and why is it increasing?
- A peek into sophisticated card testing attacks and they evolved over time
- Share best practices for handling card testing attacks
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