[cgjaro]

You know nothing about credit card fraud. When it happens, the retailer has to pay up, and there is a fine and fees. Don't take my word for it. Listen to the CEO of a merchant who tells you how it works: "As Nichols mentioned, credit card fraud is an impetus. When a transaction is found to be fraudulent, the retailer is forced to pay up. To add insult to injury there's also usually a fine. "It's 90% to 95% of the transaction cost and on top of that they'll hit us with a fee, like $20 on top of a $10 sale," Nichols says." Source: http://mashable.com/2014/08/06/bitcoin-retailers/ (which I already gave you 3 posts above, and you apparently didn't read...)

Bottom line: there is, 99% of the time, no recourse for merchants. That's exactly why merchants are so wary of CC fraud! Or else why would they be wary of it if it was all magically covered by the CC company? Food for your thoughts.

[eridius]

You're quoting an online retailer there, not a brick and mortar retailer, so you're already off to a bad start. Furthermore, what he says only applies to the "card-not-there" scenario, i.e. online retailers accepting credit card payments without the physical card. But brick and mortar retailers do in fact have the physical card. Assuming the brick and mortar retailer complied with the rules of their credit card processing agreement, in the card-present scenario, the retailer is not liable for the fraud, although I believe they may be charged a fee.

Bottom line: you're blindly trusting the word of the operator of a sketchy online retailer and claiming that what he says applies to brick-and-mortar stores when it doesn't.