[ruslan]

Could you please drop a few words on how you fight credit card frauds and chargebacks ? This is the real and the only problem with CC processing we faced. We could not handle it, so our merchant account was blocked six months after we started due to high ratio of frauds. So now we accept through Paypal and Google Checkout only. Everyone who is going to start accepting credit cards directly must pay a thorough attention to CC fraud problem and there is no any ultimate solution for it.

[ScottWhigham]

Chargebacks through PayPal are almost non-existent. I think that in four years we've probably had a handful literally. Chargebacks through Google Checkout were so bad that we dropped them.

We went with Authorize.net as the gateway and another company for our merchant account. A lot of chargebacks can be handled by setting up your risk controls up-front correctly. Should the postal code be required to match? Should the card verification code be required? Those types of things have more to do with it than anything IMO.