(I work at Stripe.)<p>For credit card processing, automated fraud prevention does in fact come standard on all Stripe accounts and takes into account a great number of signals including some that you brought up below, like whether the location of the IP address used matches the location of the billing address.<p>For ACH, we&#x27;ve built even more stringent verification--as well as any other signals we might take into account, purchasers have to demonstrate, through microdeposits or Plaid, that they have direct access to the bank account in question.<p>It&#x27;s impossible to prevent all fraud, but we take it very seriously and are investing heavily in continually improving and expanding what we do there. It sounds like you may have had some specific bad experiences, and we&#x27;d love to hear your feedback and suggestions for improvement. Please do reach out--I&#x27;m mlm@stripe.com.