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The merchants who will be most affected by the country-wide switch to EMV cards will be card-not-present merchants. Here’s why.
The parallel rise of fraud and spending doesn’t seem to add up upon first glance. As fraud increases throughout mobile and electronic commerce, some would think that spending throughout these channels would begin to decline. However, this is not the case.
Fraud is one of the most common reasons cardholders file a chargeback. But within the category of fraud is a concept quite troubling – friendly fraud. Referred to as chargeback fraud or cyber shoplifting, this type of chargeback is difficult to detect and prevent.
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