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Thanks, next year I want to get back and try to fix the situation. I fell back to PayPal only and have been losing customers since.

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I'm not sure how strict you should go, we have gone to the absolute maximum - and have to deal with customer service issues / abandoned checkouts daily. But even requiring the ZIP code to be correct made a big difference.

We're also using shopify which has helped quite a bit with their built in fraud analysis (Not 100% but I think it's either signifyd or kount providing the data).

Alternatively, you could use Paypal Pro to negate the account requirement?

I'm considering a bit going to some platform like Shopify, because I'm writing way more Python doing my own platform anyway. Integrating some solution would be just a few clicks if I were on some platform that they already support, instead of another API integration.

The company I work at uses Shopify with Sift and it seems to work well. You can have different levels of automation as far as autocharging high-legitimacy transactions, flagging suspicious customers, etc.

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