The only party that has access to the information required to do proper scrubbing are the issuers and the banks.
The bona-fide merchants have to make decisions about charges being fraudulent or not in the absence of this information.
If they guess wrong they end up paying or lose a sale.
Malafide merchants don't care one bit, they'll be up and running under a new identity next week, so they never get stuck with these charges, the simply fold and play it again, and in that case the card issuers do eat the chargebacks.
A bona-fide merchant is a sitting duck, and trust me, this comes to a lot of money on an annual basis. Consumer fraud exists and it is a serious problem.
Comments
The only party that has access to the information required to do proper scrubbing are the issuers and the banks.
The bona-fide merchants have to make decisions about charges being fraudulent or not in the absence of this information.
If they guess wrong they end up paying or lose a sale.
Malafide merchants don't care one bit, they'll be up and running under a new identity next week, so they never get stuck with these charges, the simply fold and play it again, and in that case the card issuers do eat the chargebacks.
A bona-fide merchant is a sitting duck, and trust me, this comes to a lot of money on an annual basis. Consumer fraud exists and it is a serious problem.