[seanhunter]

The canonical example is person A buys some risque item, their partner sees the credit card statement says "what is this?", so then person A denies they made the purchase (because they are embarrassed), says it must be fraud, so then it gets charged back on the credit card.

[codedokode]

They do not have SMS OTP confirmation for bank card purchases? It is much more difficult to deny anything when there is a record of delivered SMS message along with phone identifier and precise location.