I’ve seen this too. As other commenters have noted, Stripe’s solution is basically to seek to sell you better tools than their default ones, that have a per-interaction cost to them – which, when you’re dealing with 10,000 incoming carding attempts, soon adds up. i.e. The more fraud not blocked by their default tools and which you require something more for, the more profit to Stripe. Stripe need to rethink this. The “per transaction” model was understandable, but the perverse incentives it creates are now obvious and should be addressed.