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What you are probably seeing
You review your transaction dashboard and notice that previously rejected fraudulent attempts are now slipping through.
Your revenue reports show a higher volume of failed payments and manual review hours as you switch plan tiers.
Why it happens
Stripe separates core processing fees from advanced fraud features, creating a non-linear cost structure for security tools.
The definition of ‘default’ block lists varies by pricing tier, meaning rules present on one plan may not exist on another.
What changed recently
Step by step
1. Log into your current Stripe dashboard and note which default block list rules are actively enabled.
2. Review the Stripe pricing documentation to identify which security features are excluded from the lower tier you are considering.
3. List the specific fraud patterns your business faces to determine which rules are strictly necessary for your model.
4. Calculate the cost of maintaining a higher tier versus the cost of implementing a third-party fraud tool on a lower tier.
5. Test the new plan level in a sandbox environment to confirm your required block rules function as expected before migration.
Ways to go further
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