> If you require more sophisticated fraud management tools, I would suggest using a payment gateway service. PayPal is a payment gateway... In the case you mea

> If you require more sophisticated fraud management tools, I would suggest using a payment gateway service. PayPal is a payment gateway... In the case you mean payment processor... Stripe's antifraud is pathetic at best (sorry, love you guys). BrainTree isn't any better. Authorize.net is bottom-barrel. "Let's add MaxMind!" not helping, it's trivial to circumvent. Nothing can defeat a human, and nobody can be 100% about detecting a fraudulent transaction. The things that kill you are the things that a payment gateway doesn't look at. My history is littered with circumventing the rules, bending them and breaking them. I'm a "student of the game" if you will (well, not anymore, I now help prevent and detect), and there are things that I've developed/learned/executed/manipulated into getting a transaction through that was so stupid simple that I laughed when I saw the words "order confirmation." Please, please don't trust your payment processor or gateway to be enough to prevent fraudulent transactions. They're good for the 90% of carders who are idiots. The remaining 9% are the ones that will hurt you, and that last 1% are the ones that will kill your business.