[bbuffone]

There is no solution for credit card fraud because the credit card companies do not pay the bulk of the fraud that happens. I have been the subject of fraud both as a merchant and as a consumer and in both cases i was the one that paid.

[jemeshsu]

Two-factor authentication is a good deterrent but is not available everywhere. For my card, for some sites, immediately after clicking "Buy" button, the bank will SMS me an expiring (within minutes) 6 digit code to my mobile phone, and I will have to enter the code to complete the transaction.

[mhp]

Can you elaborate on how you had to pay in the case when you were a consumer and suffered fraud? As a consumer and merchant, I've only ever had to pay when I'm a merchant.