Dealing with credit card fraud is time consuming and costly for businesses. Stolen card numbers and fraudulent transactions result in payment disputes from the genuine card owner and loss of revenue to the business involved.
In the scenario below, we've set the retry threshold to 2 attempts, and the lockout period has been set to 5 minutes.
These values are customisable according to your business needs.
1. On checkout, the first failed payment will display the standard error notification.
2. The second unsuccessful payment attempt will display a different notification. The error includes the number of failed payment attempts, and advises of the lockout period.
3. If the user empties their cart and tries to checkout with a new order during the lockout period, they will still be prevented from making a card payment attempt.
Once the lockout period has expired, the user is again permitted to checkout with a credit card.
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