&gt; If you require more sophisticated fraud management tools, I would suggest using a payment gateway service.<p>PayPal is a payment gateway... In the case you mean payment processor... Stripe&#x27;s antifraud is pathetic at best (sorry, love you guys). BrainTree isn&#x27;t any better. Authorize.net is bottom-barrel. &quot;Let&#x27;s add MaxMind!&quot; not helping, it&#x27;s trivial to circumvent.<p>Nothing can defeat a human, and nobody can be 100% about detecting a fraudulent transaction. The things that kill you are the things that a payment gateway doesn&#x27;t look at.<p>My history is littered with circumventing the rules, bending them and breaking them. I&#x27;m a &quot;student of the game&quot; if you will (well, not anymore, I now help prevent and detect), and there are things that I&#x27;ve developed&#x2F;learned&#x2F;executed&#x2F;manipulated into getting a transaction through that was so stupid simple that I laughed when I saw the words &quot;order confirmation.&quot;<p>Please, please don&#x27;t trust your payment processor or gateway to be enough to prevent fraudulent transactions. They&#x27;re good for the 90% of carders who are idiots. The remaining 9% are the ones that will hurt you, and that last 1% are the ones that will kill your business.