Have you ever had a charge you didn't authorize appear on your credit card statement? If you have,
then you probably called the credit card company to get the charge removed. In all likelihood, you
found that you had to sign some form the credit card company sent you, they investigated and reversed
the charge, and that was the last you heard of it. It was something of an inconvenience (after the
initial outrage passed), but since it was resolved to your satisfaction, you probably didn't give it
another thought.
Congratulations. You successfully executed a chargeback against a merchant! Of course, you were in
the right, your card was used fraudulently, and that's the exact reason why we have consumer
protection laws.
As a merchant, the shoe is on the other foot. The merchant is the one who ends up footing the
bill here, not the consumer and certainly not the Credit Card Company or merchant service like
Paypal. Merchants have only one form of proof they can use where goods are sold and that is
proof of delivery to the credit card holder's household or address the credit card holder has
put on file with their credit card company.
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