Card Testing Coverage

THE PROBLEM

Card Testing Events Create Merchant Losses — and Partner Pressure

Fraudsters use automated tools to test stolen card data at scale, often through high volumes of small attempted transactions.

MERCHANT IMPACT

Fraudulent transaction activity
Increased fees and chargeback exposure
Merchant confusion and frustration

PARTNER PRESSURE

Support escalations for partner teams
Refund pressure and financial concessions
Merchant attrition / churn

For merchants, card testing can feel sudden, confusing, and costly. For payment providers, it can quickly become a reactive support issue across the portfolio.

CARD TESTING RISK

Most Merchants Are Left to Absorb the Cost

Without a structured reimbursement offering, merchants are often left to manage card testing losses on their own.

They may face accumulated fraud-related losses, unexpected fees, confusion about what happened, and pressure to request refunds or financial concessions.

For payment providers, that pressure often falls on support, risk, and operations teams, which are expected to respond on a case-by-case basis.

WHAT IT PROVIDES

What Card Testing Reimbursement Provides

Financial Reimbursement

Help merchants recover from eligible card testing losses.

Large-Scale Fraud Event Support

Provide support during high-volume automated fraud events.

Clearer Resolution Path

Give merchants a more structured way to respond after card testing losses occur.

Broader Fraud & Risk Coverage

Extend your merchant protection offering with support tied to a growing fraud issue.

REVENUE OPPORTUNITY

Turn Card Testing Response Into a Value-Added Service

WITH APERIA COMPLIANCE, YOU CAN:

Support merchants during large-scale card testing events

Help reduce refund requests and fraud-related financial concessions

Reduce reactive support strain

Strengthen merchant trust and retention

Introduce a revenue-generating protection service

Card Testing Reimbursement is not fraud prevention software or a card testing detection tool. It is a reimbursement product designed to help merchants recover from eligible losses tied to card testing attacks.

RELATED PROTECTION

One Layer of a Broader Merchant Protection Strategy

Card Testing Reimbursement can work alongside Breach Protection & Resolution and Website Compliance Shield to help merchants manage fraud, breach, and compliance related financial exposure.

Breach Protection & Resolution

EXPLORE

Website Compliance Shield

EXPLORE

Merchant Protection & Coverage

VIEW

Help Merchants Recover from Card Testing Losses

Add Card Testing Reimbursement to your merchant program and offer financial protection during high-volume fraud events without adding operational complexity to your team.

Add Card Testing Protection to Your Program

Card Testing Reimbursement > FAQ

FAQ

What is card testing fraud?

Card testing occurs when fraudsters use automated tools to test stolen card data through large volumes of small attempted transactions.

Is Card Testing Reimbursement a fraud prevention tool?

No. It is not a fraud detection or prevention product. It is a reimbursement solution designed to help merchants recover from eligible card testing losses.

Why do merchants struggle after card testing attacks?

Card testing events can create unexpected fees, fraud losses, refund pressure, and operational confusion, especially during large-scale attacks.

How does this help payment providers?

It gives payment providers a structured way to support merchants during fraud events without relying on case-by-case financial concessions or reactive support handling.

How does Card Testing Reimbursement create value?

It helps payment providers offer a differentiated fraud-related protection service that supports retention, merchant trust, and recurring revenue opportunities.

Turn Card Testing Protection Into a Value-Added Merchant Offering