7% fraud is just BS. 7% chargebacks - maybe for online porn and online pharmacy. A bank's risk area as well as the schemes would be all over a company with 7% chargebacks. And if a client was getting 7% fraud (fraud will eventually result in chargebacks but a chargeback is not always fraud) then they'd be putting in measures such as 3DS (3D secure - which pushes chargeback risk away from the merchant) or orther fraud tools. The comments by @Christos12 is just uneducated drivel
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