CCBill API Transaction Fees

We had a question/looking for some insights for those of you integrated with CCBill's restful API.

We're considering integrating, and understand that there's a fee for every transaction. Does adding a card and creating a payment token count as a transaction? Or is it only completed purchases? If we have a bad actor spam trying credit cards, would we get charged the transaction fee for that since technically they have to make a test transaction with the bank?

From my experience transaction fees are typically incurred only when a purchase is completed, not merely when a card is added or a payment token is created. However, if a malicious user attempts to test multiple credit cards, each attempt that reaches the bank could be considered a transaction, potentially leading to fees. To mitigate this risk, it's essential to implement robust fraud prevention measures. Tools like VScrub, which examines transactions for potential fraud and can soft decline suspicious ones, prompting further verification. Additionally, employing Address Verification System (AVS) checks can help flag mismatched billing information, adding an extra layer of security.

It shouldn't be considered and counted as a transaction