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One thing you left out is that
AVS and CVV2 are very powerful tools to prove a valid charge
i just hate the banks that never tell their customer to contact the merchant first, credits are alot easier done than chargebacks,
for example a customer called me and asked about a charge.
he told me it wasn't him, and he was from alabama but yet a person from russia had bought it. Refunded him the money and told him someone stole his credit card number
if the bank immediately issues a chargeback without contacting the merchant than the customer has chances of being frauded again
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