Card testers don't pick one merchant. They find a payment page and work through every merchant behind it. Cardvera drops in once, at the platform layer, and turns card testing away before it reaches the gateway — any gateway — for every merchant you have today and every one you add tomorrow.
Whether you're the merchant of record or the software your merchants log into, card testing on your platform becomes your problem — just in different ways.
Every sub-merchant's card-testing traffic runs through your portfolio. Several merchants tested in the same month means their declines count together — against your volumes under Visa's VAMP, and against the approval rate your acquirer watches.
Your merchants take payments through a page your software serves. The gateway doesn't stop card testing, and neither does the processor — they see authorizations, not the attack. You're the closest to the problem, so you're the one who gets the blame.
Cardvera goes into your payment page and your payment service — not into each merchant's account, and not into any one gateway. There's nothing for your merchants to sign up for, install, or configure.
One script tag in the payment page or checkout template your platform already serves. Every merchant using it is covered from that moment.
Your payment service asks Cardvera for a verdict before it sends the authorization. Allow, step-up, or block — card testing never reaches the gateway.
Merchants you onboard next week are covered the day they go live. No per-merchant setup, no new accounts, no paperwork.
Your merchants might be on Stripe, Adyen, Authorize.net, NMI, Worldpay — or all of them at once. Cardvera's verdict comes back before your platform calls any gateway, so a single integration covers every merchant on every gateway and processor. Add a gateway, move merchants between processors, or switch providers entirely, and your Cardvera integration doesn't change.
Testers retry the same cards across merchants and move on when one gets harder. Any single merchant sees a few odd declines. At the platform layer, the pattern is obvious — and what Cardvera learns from one merchant's attack protects every other merchant on your platform.
The same card, BIN range, or client showing up across several merchants is invisible to each of them and unmistakable to you.
When we see an attack on one merchant, the block rules built from it protect every merchant on Cardvera — on your platform and beyond. The rules describe the attacker, never merchant or customer data.
One price covers every merchant on the platform. Your merchants are never billed. See pricing
Adding anything to every merchant's checkout is a big ask. Cardvera is built so the worst case is the checkout you already have.
If Cardvera is ever slow or unreachable, the payment carries on exactly as it would without us. Protection never becomes the outage.
No CAPTCHA, no extra steps, no redirects. Verdicts come back in milliseconds, and your merchants' conversion stays where it is.
We never need card numbers, CVVs, or cardholder details. They never pass through Cardvera, so your PCI scope — and your merchants' — is unchanged.
Cardvera never needs access to your gateway settings, credentials, or your merchants' accounts. Your platform stays in control of every payment.
Send us a transaction export and we'll show you which merchants are being tested, how the attacks move between them, and what it's costing you. No charge, no obligation. We only need timestamp, amount, result, decline code, BIN, IP, and a merchant identifier for each attempt — strip names, emails, and full card numbers first.
Tell us about your platform and how payments flow through it — or start with a free portfolio assessment. We'll show you where Cardvera fits and what one integration covers.
No spam. No drip campaigns. Just a reply from a human.