[LeBlanc]

I would highly recommend that you contact the banks for whatever accounts the money went to. If you are able to prove fraud, you may be able to work with them to freeze the accounts and then recover enough funds to cover the chargebacks. You can use the routing numbers to figure out which banks to talk to.

When I was at WePay, we used this to help recover fraud losses. It's not 100% effective (because often the account has already been drained/closed), but it's better than nothing.

In the future, I would also recommend using a PSP like WePay, Stripe, or PayPal that will handle KYC and fraud detection for you. https://www.wepay.com/api/payments-101/preventing-losses-fig...