Credit Card Testing: Merchant Guide

Our Cards

Choose from any of our gift cards to give to your loved ones

giftcardimage

Where to Use?

Redeem your gift cards at any of our Merchants

Where to Buy?

You can purchase a gift card from any of these locations

ABOUT US

about

What is ONYX GiftCards?

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.

What is a Gift Card?

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.

How it Works?

  • Buy an Onyx Gift Card at these local stores
  • Give your gift card to friends, family, co-workers, etc.
  • The recipient can shop at our select merchants nationwide
  • Your friends, family, co-workers, etc. will present their gift card at checkout to pay for your item(s)
  • They will walk away happy with the best gift ever...the gift of Choice

Why ONYX GiftCards?

  • Save TIME. No need to run around looking for the perfect gift
  • Redeem from a variety of business island-wide. We will continue adding businesses as fast as ONYX grows.
  • ONYX Gift Cards do not expire
  • Cards are valued at convinient amounts to meet every need and occasion

Credit card testing is a fraud pattern that uses authorization attempts to find active card numbers.

It is illegal. It differs from a normal declined payment. A merchant may see many attempts across a short period, many card numbers, or many failed checks. The goal is to separate valid card data from invalid data. Card testing raises chargebacks, fees, and processing risk. Buying or selling CVV data is also illegal.

Signs merchants see

Why it matters

Each failed attempt can add fees. Successful fraudulent orders can lead to chargebacks and lost inventory. A pattern of fraud can affect a merchant account. Acquirers and card networks monitor fraud rates. High fraud rates can lead to reserves or account closure.

Controls that reduce risk

  1. Use address verification and card verification value checks where the processor supports them.
  2. Set velocity limits by card, IP address, device, and account.
  3. Review orders that fail multiple checks.
  4. Monitor authorization logs and chargeback reports.
  5. Follow PCI DSS rules. Do not store CVV data after authorization.

Legal status

Credit card testing is fraud. It can violate computer fraud laws, payment network rules, and cardholder data rules. Buying, selling, or possessing card data without authorization is illegal in the US and other countries. Merchants should report suspected testing to their acquirer and processor.

What to do after an incident

Document the attempts. Keep authorization logs. Contact the acquirer and processor. Review access controls. Update fraud rules. Notify law enforcement when required. Do not confront suspects.

Contact Us

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