[kamaal]

>>If its a fraud its a fraud you can get your money back.

Sorry, but in a country where credit card companies send the local mafia after a person if they miss a few EMI's. No one is realistically going to trust 'dispute the transaction, get your money back' promise.

There will be so much fraud from both the ends, it will be hard to bring the chaos in control.

India needs a lot of social evolution before you could trust the public with these things. We can't even discard a biscuit packet properly, let alone these kind of things.