What’s Going On?      As more and more companies and store owners switch from paper to online payments, fraudulent activities become more and more complex and harder to track. What is Card Testing and How Does it Work? Known through multiple terms like “carding”, “account testing”, and “card checking”, card testing is becoming one of the main avenues for hackers to steal from both the consumer and the merchant. Card testing is when someone tries to use stolen card information or attempts to guess card information in order to make fraudulent purchases from another card. Hackers use computer programs to streamline this process so it becomes easier to “guess” card information. One of the more common ways to card test is to check the authorization, which is much less likely to appear on statements. Another possible way is through small payments that go easily unnoticed by both consumers and merchants.  How Prevalent is this Issue? Online shopping is booming. Indu...