It's possible to get a rough idea of your risk score when dealing with Stripe, Adyen, etc (check my other guide for AI antifraud systems) but you need to create a transaction with the card to get any valuable data. The problem with that then is that you will be initiating a transaction and the card can die or the fraud system can elevate your risk on subsequent transactions. It's also not that consistent because if your processor account isn't trusted enough, that itself can also affect the risk assessment of the transaction.
This is precisely why it's been hard to cashout Stripe consistently with fresh accounts, because even if Stripe trusts your payment, VISA and MASTERCARD/risk assessor agencies may not trust your processor account enough to allow the transactions to go through. This is only true for big payment processors that do not assume the role of 'Merchant of Records', meaning there's a chance for this to work correctly if you use secondary processors like Paddle, Shopify, etc (though I doubt they show the transaction's risk signals extensively)
