Don't forget, the amount of fraud that you need to worry about depends highly on the service or product you're selling. My company has only dealt with one fraudulent charge for $65 over the past 5 years of selling our product across a huge number of transactions.
No thief in their right mind would want to steel a Software as a Service product like ours since you can't really resell it. If they were reselling it we'd quickly find out about it and disable the account.
If we were selling hardware or an item that a thief could turn around and resell without any trace, we'd have to worry quite a bit more about fraud.
I'd hate for somebody who is running a SaaS company to read this and implement some insane IP/Tor/blah fraud detection scheme when the nature of their product/transactions doesn't necessitate it.
No thief in their right mind would want to steel a Software as a Service product like ours since you can't really resell it. If they were reselling it we'd quickly find out about it and disable the account.
If we were selling hardware or an item that a thief could turn around and resell without any trace, we'd have to worry quite a bit more about fraud.
I'd hate for somebody who is running a SaaS company to read this and implement some insane IP/Tor/blah fraud detection scheme when the nature of their product/transactions doesn't necessitate it.