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If you enter the wrong CVC or ZIP and it is declined, does that increment your blocked fraud counter?

No. It used to but they turned it off in Dec 2021; notice in my dashboard says it improved sales revenue by 0.5% but only added fraud risk by 0.0004%

The intuition here is that the rules that block when CVC/ZIP doesn’t match necessarily happen after the bank already decided the transaction was okay, because that’s when Stripe learns whether CVC/ZIP match what the bank had on file.

So if you block on a mismatch, you’re throwing away an approved charge every single time since the bank already decided that other signals say the transaction is okay. The bank can block it themselves if they think it’s suspicious (which from my understanding wouldn’t increment this metric).

That's a good question.

I once had my payment flagged as fraudulent because the card owner was not the same as the shop account owner.

My bank decided it was a good idea to block my card without telling me anything. I realized a couple days after when I couldn't pay my groceries.

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