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Generally the bank will file a Suspicious Activity Report (SAR) with FINCEN for egregious cases. I don’t think intermediaries like stripe have any direct responsibility in this respect but I could be wrong. The volumes are huge and few SARs actually are investigated or prosecuted.

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SARs are for, like, attempted funding of terrorists. fraudy cc attempts don't scratch the surface

Um, no. Banks file a lot of those. If it’s me using my dads credit card number then sure, not a SAR. But most of that activity is systematic: either backed by organized crime or a semi-professional fraudster. Those most definitely would get a SAR

> If it’s me using my dads credit card number then sure, not a SAR.

I was imaging that end of the spectrum, but you're right, when it escalates to organized mafia gang criminal organizations there would be SARs.

Sorry that was probably an overly snarky response on my part. Stripes product is actually aimed at merchants so two steps removed anyway.

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