Card testing & payment abuse
Clustered declines, repeat failures sharing the same decline code, and bank-decline bursts ahead of a high-value attempt.
6 rules · v0.3.5
- Prepaid/virtual card
prepaid_card - Card's country differs from the IP country
bin_country_mismatch - Several declines, then a large attempt (card testing)
failed_deposits_to_high_value - 2+ bank declines within an hour
failed_payment_burst - A quiet or new merchant suddenly gets many payments
low_history_merchant_spike - Repeated declines with the same code
decline_code_cluster
Only rules in the current release are listed. The rule name is the reason code you see in the evidence report.