GhostAudit is an audit tool focused on Stripe account security, designed to help merchants discover and block "ghost transactions" and card testing fraud. According to the official description, ghost transactions are payments that appear successful but actually bypass Stripe Radar fraud detection due to missing key security verification, such as billing address verification. These transactions show as successful in the Stripe dashboard, but lack the security checks that prove payment authenticity, allowing fraudsters to exploit this gap to test stolen credit cards on websites, which can lead to account bans and fees of more than $15 per dispute.
GhostAudit's main capabilities include:
- Security audit scan: Analyze Stripe transactions, find payments that bypass fraud detection, and show the number of ghost transactions.
- Instant risk score: Assess account risk based on scan results.
- Available remediation options: Provide specific setup recommendations that users can copy and paste directly into Stripe, with no coding required.
- Real-time alerts and automatic protection: Monitor the account 24/7 and issue alerts when fraudsters attempt an attack.
- Privacy protection: Read transaction data only, cannot move funds or change settings, and information is not stored.
Usage is divided into three steps:
- Connect Stripe: Enter a read-only security key (it will not access funds or change any settings).
- View the risk score: Get results immediately and learn how many risky payments there are.
- Get the solution: Copy the remediation options into Stripe to block fraud, which takes about 2 minutes.
The tool offers a free scan and requires no registration. Paid plans include a one-time scan report (including risk and vulnerability analysis and remediation recommendations), as well as a monthly subscription continuous monitoring service (offering a 7-day free trial, unlimited scans, 24/7 automatic monitoring, real-time email alerts, and priority support). Specific pricing is not provided in the materials.
Use cases: merchants who use Stripe to collect payments and are concerned about ghost transactions or card testing fraud, especially users who want to check account configuration risks, obtain customized Radar rules, and continuously monitor account security.
Limitations: GhostAudit does not replace Stripe Radar, but helps users use Radar correctly and shows what it misses. It cannot fix past payments; it can only analyze historical transactions and provide remediation options for future payments. The tool provides read-only access only and cannot move funds or change settings.
The FAQ explains: GhostAudit uses read-only access and cannot move funds, changesettings, or access customer data, and information is not stored. Ghost transactions are payments that lack security verification, and fraudsters use them to test stolen cards. Users can change Stripe settings themselves, but this can only fix future payments, whereas GhostAudit analyzes past transactions and provides custom rules based on the data. Ghost transactions are an entry point for card testing and can lead to account bans and dispute fees. GhostAudit does not replace Stripe Radar, but helps users use Radar correctly.
