What is recommended for decline due to suspicion of fraud?

• A. Have a fraud prevention tool to help detect and block illegitimate charges.
• B. Prompt for another payment method.
• C. Ignore the flag and retry.
• D. Disable 3D Secure.

Answer: (A)

When dealing with potential fraud, the best move is to rely on a fraud prevention tool that can automatically detect and block illegitimate charges. Tools like Stripe Radar analyze various risk signals—such as device fingerprints, IP addresses, card history, and transaction patterns—to determine which transactions to decline or require additional verification. This approach helps protect your business from fraud losses while minimizing impact on legitimate customers, because it can be tuned to balance security and conversion, and can automatically apply stronger checks only when risk is high.

Why the other options aren’t as effective: asking the customer to try a different payment method doesn’t address the underlying risk and can frustrate legitimate buyers, potentially reducing conversions. Ignoring the flag and retrying invites repeated, high-risk attempts and can lead to chargebacks. disabling 3D Secure removes an important layer of verification and security, increasing fraud risk and liability.