I had the opposite issue -- something like 90% of genuine payments on my account are rejected by the fraud detector on the first try and have to be retried daily for several days before going through. I exchanged over a hundred emails with support in which they read the card testing script to me, tried to upsell me on "better" fraud management tools, disregarded any details I provided to show that the activity was non-fraudulent, gave me no insights into how the fraud detector worked or why it might be giving false positives, and refused to escalate my ticket anywhere. I had to beg to be put through to an engineer who knew anything about it, and still I couldn't get past front line support. Long gone are the days where you can talk to a Stripe engineer on IRC. Really badly soured me on Stripe and I started working on plans to move away from the platform entirely.