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Memberful requires a Stripe account to process credit card payments. Stripe offers a powerful tool called Radar, which lets you create fraud prevention rules to automatically review, block, or allow payments that match specific criteria. In addition to Stripe’s default protections, we recommend enabling the following rules to help defend against fraudulent activity—especially credit card testing and credential stuffing.

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Set up rules for new businesses

If you’re just launching your business and have no paying members yet:
  1. Log in to Stripe and go to Payments → Rules.
  2. Enable the following 3D Secure rules:
    • Request 3DS if 3D Secure is required for card.
    • Request 3DS if 3D Secure is recommended for card.
  3. Set up these Radar rules:
    • Block if CVC verification fails.
    • Block if postal code verification fails.
  4. If you offer a free trial, enable Use Radar on payment methods saved for future use.
This costs 5¢ per attempt, but it helps prevent abuse and preserves a free trial experience. Alternative: Consider switching to a paid trial model for added protection. Need help setting up rules? Contact Stripe support.

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Set up rules for existing businesses

If you already have active members and paying customers:
  1. Log in to Stripe and go to Payments → Rules.
  2. Enable the following 3D Secure rules:
    • Request 3DS if 3D Secure is required for card.
    • Request 3DS if 3D Secure is recommended for card.
  3. Set up these custom Radar rules:
    • Block if :cvc_check: in ('fail', 'unavailable', 'unchecked') and :authorized_charges_per_customer_all_time: = 0
    • Block if :address_zip_check: in ('fail', 'unavailable', 'unchecked') and :authorized_charges_per_customer_all_time: = 0.
  4. If you offer a free trial, enable Use Radar on payment methods saved for future use.
This costs 5¢ per attempt, but it helps prevent abuse and preserves a free trial experience. Alternative: Consider switching to a paid trial model for added protection. Need help setting up rules? Contact Stripe support. Related help docs:
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