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Thank you. It all makes sense. Did you end up using Stripe Radar to check for fraudulent payments? It is working well?

Yes & yes but your mileage may vary depending on your customers/donors. For example, we turned off transactions from several countries.

Honestly a basic version of this should be free. I shouldn't have to pay extra to say I only accept cards with a CVC number & expiration filled out.

I agree with this. I am a bit frustrated with Stripe for making this a paid service given the cost of payment processing. However, I assume when the fraudulent transactions cause a loss you have to pay for Radar.

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