Suspicious transaction

[AugustWind]

Title: Payment link charge at 1:26 AM from a buyer with no contact history. Card testing?

Small business here, using Square payment links. Got a $41.90 charge overnight from someone I have never corresponded with and who has no order or inquiry history with us. It did not trigger any of my active Risk Manager rules and generated no alert.

Has anyone seen this pattern turn out to be a real customer, or is a small overnight charge on an open link almost always card testing? And which Risk Manager rules have worked best for you at catching it?

Planning to refund in full and flag it to Support. Open to hearing how others handle it.

[alextaylor12]

I’d be cautious about assuming it is card testing from the amount alone, but the overnight timing and lack of any previous customer history would definitely make me investigate it before fulfilling anything.

I’d compare the transaction with the customer and payment details from your normal orders, and check whether you see any similar small or unusual charges around the same time. It would also be useful to know whether the payment link is publicly accessible, since that could change how I’d interpret the situation.