I'll put in my two cents also. It appears to me that the Credit Card Companies DO NOTHING to help out the merchant with fraud. I take a number of orders from foreign countries, primarily Europe & Canada. There is no AVS system or any other method to determine the card holder, so you really gamble when you take an out of country order. Why is this? Are not Visa and Mastercard associations with worldwide standards?
Also, yes, it appears that whatever the consumer says, Visa and MC back them up. Note it's in their rules that a package, unless signed for by the cardholder, can be charged back. How many of us ship ground and demand a signature??? It's an extra $1.5 or so for signature service. About the only people making money off on line transactions are the Freight people. Maybe the problem isn't with Visa and MC afterall, it could be UPS, FedEx and USPS. They have the most to gain.
Kent
www.discount-leather.net