[presbyterian]

I don't have any data on this, so don't quote me on it at all, but this feels more like an excuse made up by paypros than an actual good explanation.

[saltyoldman]

No one would have data on something like that! Wife finds out, husband says, someone stole my card! You expect them to own up later?

[dec0dedab0de]

The reason doesn't matter, the data would be on the amount of chargebacks being made.