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akmac - 12:25 am on Aug 6, 2009 (gmt 0)
I've had a couple chargebacks that were legitimate (stolen info) that I did not contest because they just purchased gift certificates that were never used. I get fraudulent orders weekly, but 99% of these can be detected and deleted in less than 10 minutes. You may need to tighten up your approval process.
I've had two chargebacks from customers trying to scam me using their own cards, and have won both of those.