WebStart - 10:31 pm on Jan 1, 2004 (gmt 0)

Re: original post

My experience as an Internet retailer, is that the retailer usually loses when any card using customer claims fraud. The Internet merchant never has the face to face verification and signature, so he can never use that to prove "who" really used the card.

The bias by the card companies is to their card holding customers, not to the merchant who pays their fees -- ie : the card holder is innocent of purchase until proven guilty; the merchant is guilty of an unauthorized charge unless he can prove the card holder guilty.

On one occasion I had a customer claim non-delivery, and I had proof of delivery, name and address verification, date card was used, an email complaint from that customer and a redeliver to same customer same address -- all that should have been necessary to show customer did charge the card and got the merchandise) and even then that was not good enough for me in that case, where the card company's response was: "treat it like a bad debt and go after him legally for the money, but you won't get your money from us."

So bottom line -- I don't think you have too much to worry about