Choose from any of our gift cards to give to your loved ones
Redeem your gift cards at any of our Merchants
Onyx Gift Cards is a Grenadian company designed to introduce, market and manage gift cards systems in Grenada for retailers and corporations. We are enthusiastic about the effect and influence we will have on the local market. We intend to expand our systems regionally with a range of product offerings and services.
Gift cards are the preferred way of giving and receiving gifts. They carry a monetary value that can be redeemed for gifts at your favorite store.
Onyx GiftCards are “Open Gift Cards” which means that they can be redeemed at multiple merchant locations. They are standard credit card size, can fit into the average wallet and made of PVC plastic. Onyx GiftCards are Barcoded for security and safety for the consumer and bear a disclaimer at the back.
Onyx Giftcards can be bought with a branded Card backer which is black in colour and is designed to fit the card. There is an area to write a brief message to the recipient as well.
A card test is a small charge submitted to find out if a card number will authorize. The amount is often under $1. Numbers that approve get sorted into a working list. Numbers that decline get dropped. Groups then sell the sorted lists in bulk. Market labels for the practice include "debit card test," "CVV check," and "live check."
The activity is fraud, not a verification service. Cardholders do not authorize these charges. Every approved test is a real transaction against a real account.
Debit cards link to a deposit account. A debit number that approves gives a fraud group a path to funds that already sit in the account. Credit cards carry a credit line and a chargeback process. Debit transactions settle fast, so money can leave before the account holder notices.
Debit numbers also circulate in bulk. Data from retail breaches, skimming devices, and phishing pages gets bundled into files of thousands of records. Buyers cannot tell which records still work, so they run tests to sort them.
Issuers run the same checks. A bank that sees 40 authorizations in 10 minutes from one merchant will flag the merchant account. Networks track authorization velocity per merchant and per terminal.
Payment processors score each authorization request. Risk models weigh device fingerprint, IP reputation, order value, time of day, and the count of attempts tied to the same session. A score above a set threshold blocks the charge or sends it to review.
Merchants add their own controls. Common steps include address verification, card verification value checks, purchase limits, rate limits per IP, and a block on repeated attempts after three declines. PCI DSS rules require merchants to monitor authorization attempts and stop abnormal patterns.
18 U.S.C. 1029 covers access device fraud. A basic offense carries a maximum of 10 years in prison. Certain trafficking offenses carry up to 15 years. Wire fraud under 18 U.S.C. 1343 carries up to 20 years. Prosecutors can stack counts, and each tested card number can support a separate count.
State laws add charges for identity theft and computer trespass. Civil liability can follow, with card issuers and processors suing for losses tied to chargebacks and reissue costs.
Cardholders are not liable for unauthorized charges under federal law, but the reporting window matters. Fast reports limit the damage.
Public data on total card testing volume is limited. Networks report trends, not full counts. No single source states how many test charges clear each year.
