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Stop Card Testing Before Stolen Cards Become Payment Fraud

Fraudsters use bots to run stolen card numbers through your checkout with small purchases, looking for the ones that still work. Arkose Titan catches card testing early and makes every attempt expensive, while real buyers and trusted AI agents check out without friction.

Stop Card Testing Before Stolen Cards Become Payment Fraud

Payment Fraud Results From Arkose Labs Customers

Card Testing Is Payment Fraud's First Step

A major gift card network cut successful automated attacks by 98% within weeks.

Card testing is how stolen card data gets turned into money. Fraudsters run stolen or generated card numbers through checkout and payment flows with small transactions, then use the cards that work for larger purchases or sell them on. Bots now use machine vision to get past legacy CAPTCHAs, and human fraud rings step in where automation fails.

When a major gift card and payments network deployed Arkose Titan, successful automated attacks fell 98% within weeks and human-driven fraud dropped more than 60%.

Payment Fraud Prevention With Arkose Titan

Arkose Titan protects checkout and payment flows from card testing, stopping bots and human fraud rings before they find a working card.

One platform for agent trust and fraud prevention: identifies people, bots and AI agents, and applies your rules through one integration.
24/7/365 SOC and threat research: tracks emerging fraud schemes and new attack tactics before they reach you.
Explore the Arkose Titan Platform →
01

Catch Card Testing Early

Nearly 1,000 detection signals spot card testing even when bots vary timing and amounts to slip past velocity checks.

02

Make Card Testing Too Costly

Proof-of-Work and AI-resistant challenges escalate with risk, draining the resources fraudsters need to validate stolen cards.

03

Keep Checkout Fast for Real Buyers

Genuine customers and the trusted AI agents you approve check out without friction, while suspicious payment sessions face rising costs.

04

Strengthen Your Payment Stack

True/false API results and rich session data give downstream payment and risk tools the context to act immediately.

Card Testing Warranty badge

An Industry-First $1M Card Testing Warranty

Arkose Labs backs card testing protection with a $1 million warranty, covering card authorization fee losses if Arkose Titan doesn't stop an attack within the agreed SLA.

Learn About Our Warranty →

What Our Customers Say

Our brand is built on the trust of our consumers. By collaborating with Arkose Labs, we continue to advance security and vigilance to a new level where merchants and consumers alike have even more confidence their transactions are safe.
VP, Enterprise Cyber Security
Fintech

Frequently Asked Questions

What is card testing?

Card testing is a type of payment fraud where criminals make small purchases, often a dollar or less, across many websites to check which stolen card numbers are still valid before making larger fraudulent charges.

What is payment fraud?

Payment fraud is any unauthorized use of payment information to make a purchase, ranging from card testing and stolen-card checkout fraud to more sophisticated schemes like account takeover at the point of payment.

How do you stop card testing attacks?

Arkose Titan analyzes device, behavioral and transaction signals to detect card testing even when bots vary timing and amounts to evade velocity checks, stopping the attack before fraudsters find a working card.

What are the best card testing solutions?

The strongest solutions catch testing patterns before fraudsters find a working card, not after. Arkose Labs backs its detection with an industry-first $1 million Card Testing Warranty covering authorization fee losses.

How do AI agents affect payment fraud?

Attackers use AI agents and machine vision to get past legacy CAPTCHAs and run card tests that look like real shoppers, while legitimate shopping agents increasingly check out on behalf of real customers. Arkose Titan identifies AI agents at checkout so you can allow trusted ones and stop the rest.

What does card testing cost merchants?

Even when test charges are small, merchants pay authorization fees on every attempt, absorb chargebacks once validated cards are used for larger purchases and can draw scrutiny from payment processors when decline rates spike.

Stop Stolen Cards at Checkout

Protect checkout and payment flows from card testing and the stolen-card fraud it enables.

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