Do you deal with fraud issues. My guess is not. "The fraudsters may adapt" is a complaint with almost all fraud fighting approaches - and yet many even older me

Do you deal with fraud issues. My guess is not. "The fraudsters may adapt" is a complaint with almost all fraud fighting approaches - and yet many even older methods STILL have value even if fraudsters could work around them. Many fraudsters are using scripts and tools they don't even know how to modify but that circulate and are used. In person use has geo checks, so easy to avoid by using cards in a local area - but fraud prevention STILL picks up out of billing zip attempts at use. So you'll be wrong here. And even a 6 month decline in fraud is highly valuable to any of these large scale players.