It’s about time that online merchants (credit card processing systems) start doing more to protect consumers and small businesses from fraudulent card users.  We’ve initiated their fraud protections, but we still get hit almost every day.  Every time a fraudulent card user purchases something from our company, we get the funds, then the client issues a chargeback (which costs us the $25 chargeback fee plus the processing fees that the company charges to erroneously give us the funds).