1. If someone stole other people's credit card and make a purchase on a web site, and the victim filed a dispute with the credit card company, the website merchant will receive a chargeback. What should the merchant do to avoid this type chargeback record, especially the web site offers online services which is not tangible goods?
2. Even the merchant proved that this is someone else's fraudulent transaction, will the fraudulent transaction amount counted toward the charegeback amount in the merchant's merchant account? Who will suffer as a victim here - the merchant service bank or the merchant or the credit card issuer? It doesn't make sense to hold the merchant responsible for the fraud since this is an online transaction and there is no way the merchant can prevent this, especially the fraudulent transaction has the correct 3-digit or 4-digit number and correct street address.
3. what should you do? report to the police and get the police to catch those people?
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