You have to prove that the sale or delivery of the product went to the actual person whose name appeared on the credit card that was used, as well as the address. Many companies will not ship to any other address than what is listed as the card holder's address. If someone else had used the card and made a fraudulent purchase, naturally the owner of the card would notice the charge and immediately dispute it. Address Verification System. Terminals used for credit card processing of mail orders and telephone mail orders should have the AVS enacted and be using it.
Fraud is more of a problem than most people realize.
Credit card fraud is widespread. The hardest hit victim is usually the merchant. Any steps you can take to protect yourself from chargebacks is a positive step. A transaction fee is charged for connection of your terminal or software into the processing network. We use Global and VisaNet.