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Are the fraudsters using the charity website itself for confirmation that the card works?

Could you run them off by just always displaying success for any sane-looking small value donation, without leaking the result from your payment processor?



This seems like one of the best options - just makes sure the LUHN checks out and the expiry date is in the future, for any small value donation.

Alternately (or in addition to this), you could rate-limit form submissions from the same address.




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