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>If enough has happened, then Stripe will just cut you off from everything. Do you have safeguards on your site to validate those cards?

Isn't the whole point of Stripe that you don't need to do this? How can I know if a card is valid?

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Are you tracking declined payments, and using the fraud/risk metrics? Doing ZIP checks and 3D secure?

Isn't that why I use Stripe? They handle the payment details.

Stripe doesn't know you or what kind of customers you will bring. So you're still on the hook to monitor fraud among your customer base, and they give you a few options to do that, like the zip code check. If your fraud/dispute/chargeback rates are low, you remove those checks to have less friction at the checkout.

Stripe has options for that but pretty sure it defaults to some level of verification

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