: Payment processors like PayPal may suspend a merchant's ability to process new transactions if they detect high levels of suspicious decline activity. Strategies for Prevention

: Because stolen cards are often canceled quickly, attackers must test the data to see if it still works. They use automated scripts to submit many low-value purchase requests (sometimes called "micro-transactions") on a merchant’s eCommerce site.

: Once a card is validated, it is either resold at a higher price or used to buy physical goods and gift cards, which are then liquidated for "clean" money. The Impact on Businesses