Note that in all filters, I chose to "Decline the transaction." If you were to chose "Authorize and hold for review," while it may disrupt the card thieves somewhat, you will still be charged Authorization fees.
Other filters that you may consider enabling are
- Suspicious Transaction Filter
- Enhanced AVS and CVV Handling Filters
- And more...
In summary: We want to be able to charge cards online; it is convenient, efficient and makes running our organization smooth. At the same time, it is the responsibility of the merchant account owner (that would be you), to do all he can to prevent fraud on his site, if for no other reason than for his own protection.
Will hackers fine a way around these extensive and powerful filters? Perhaps. But if that happens we will take further action and implement additional protection.
Once Authorize.net's Fraud Protection is enabled and configured on your account, you can safely turn on (check) Instant Charge, otherwise, we recommend that you leave Instant Charge turned off (unchecked).
In CMS Connected, click Online Form Setup or click Form Designer on the CMS Connected Dashboard.
(If you are using an older version of the Form Designer, click the Previous Version at the top right. There you can select your form, click Edit and then enable or disable (check or uncheck) the Instant Charge feature (Credit Cards tab).