Card fingerprint
A card fingerprint is a stable identifier a payment processor derives from a physical card number, letting merchants recognize the same card across transactions — and across different customer emails — without ever storing the card number itself.
Payment processors like Stripe issue the same fingerprint every time a given card is used, regardless of the name or email attached to the checkout. That makes it one of the most durable identity signals in fraud detection: a fraudster can rotate email addresses freely, but rotating physical cards is expensive.
Because the fingerprint is a one-way derivation, matching on it is PCI-safe — systems compare fingerprints (or hashes of them) without ever handling the underlying card number.
affixo's Buyer Risk List uses the card fingerprint as its anchor signal, so a chargeback offender is recognized at the moment of sale even when they use a fresh email at every merchant.
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