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Card testing

Malicious third parties may try to use your website to determine if stolen card details are valid. They try many small payments using different card numbers and expiry dates. The approved cards are then used to defraud another merchant for a larger amount. This is called "card testing".

Websites with minimal validation rules are often targets. This can include websites used for making donations or paying invoices.

Looking for test card numbers to use when developing your QuickStream solution? See: Test Cards and Bank Accounts.

Protect against card testing

If you make card testing difficult, your website is less likely to be a target.

You can:

  • Validate customer and payment reference numbers.
  • Set a minimum payment amount.
  • Add a captcha.
  • Use 3D Secure.
  • Use Fraud Guard.

Contact us

See Technical Support.


The information contained in this publication is provided for learning purposes only and is subject to change. Revisions may be issued from time to time that encompass changes or additions to this module.

This is a guide only and it is not comprehensive. It does not impinge on or overrule any formal arrangement you may enter into with the Bank. The Bank and its officers shall not have any liability for any losses of any kind incurred in connection with any action, inaction or decision taken in reliance on the information herein or for any inaccuracies, errors or omissions. In this publication references to the "Bank" are to Westpac Banking Corporation ABN 33 007 457 141 and to any of its operating Divisions, including BankSA and St.George.