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For CNP merchants - SaaS, apps, games, ecommerce - credit card chargebacks are $40 billion problem that affects EVERY merchant’s bottom line. �Whether caused by true fraud (identity theft or stolen payment cards) or friendly fraud (“buyers remorse” or disputing a legitimate charge), if you aren’t actively preventing chargebacks, your chargebacks will cost you. Get too many chargebacks and you �could lose your processing privileges altogether.