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If it were just an increased risk of charge backs, surely they could just charge them higher fees and make it work out. Or tell them they have to eat all the chargebacks.


Or they could just require 3d secure which iirc lets them say "you did 2fa when you purchased, we know this wasn't a fraudulent transaction, fuck off."


Not really. Merchants are the one who eat the chargebck costs plus the $20 fee for processing it that VISA/MC charge them. That's just pure utter bullshit.




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