You didn't read my comment for what it meant, I think.
This isn't automated, it's people in 3rd world countries signing up to random sites that have CC as a method of payment and seeing if payment goes through.
You probably pay for Stripe Radar and don't see these payments but are also silently missing out on legitimate payments, or you run KYC or have too few or only western access to your site otherwise. Have you spoken to the people who manage your Stripe about the disputes and how many are fraud and the Fraudulent payment detection numbers you have? It won't be 0 for any substantial business.
You really are not hearing me. Our legitimate traffic looks nothing like fraud traffic. Legitimate users don't sign up for a free trial, ignore our application, zoom straight to the payment form and purchase. 0% of our legitimate customers do this. Everybody wants to try before they buy! You can literally lock the payment form making it impossible for people to purchase until they have used the product for multiple hours over multiple days.
Nobody in a 3rd world country is going to spend 5 hours clicking around in a product over multiple days just to test if a credit card works. If card testers don't find the payment form within 2 minutes they're going to move on to a weaker target.
People who struggle with fraud in SaaS usually make no attempt to distinguish real user behavior from fraud-y behavior.
This isn't automated, it's people in 3rd world countries signing up to random sites that have CC as a method of payment and seeing if payment goes through.
You probably pay for Stripe Radar and don't see these payments but are also silently missing out on legitimate payments, or you run KYC or have too few or only western access to your site otherwise. Have you spoken to the people who manage your Stripe about the disputes and how many are fraud and the Fraudulent payment detection numbers you have? It won't be 0 for any substantial business.