As someone who deals with several hundred thousand dollars a year in online credit card fraud, I would advise you to check out sift science or Kount. It's easy

As someone who deals with several hundred thousand dollars a year in online credit card fraud, I would advise you to check out sift science or Kount. It's easy to integrate and is vastly superior to the checks you have and the other suggestions in this thread. We have killed numerous credit card rings with this. They typically go somewhere else that's an easier target now.