Why a dispute costs $229 on a $129 pair of shoes

Automated excerpt

A dispute comes in for the full $129, and you don’t have delivery evidence, so you lose. Card-present fraud: the EMV liability shift Contrast that with card-present fraud, where the networks actually did engineer a more obvious answer. Non-delivery disputes don’t have that lever. No evidence means no defense and it doesn’t matter that you actually shipped the shoes. Merchants aren’t defenseless here, they can fight back with evidence, and what actually counts as evidence, what doesn’t, and why most merchants don’t bother even when they have a winning case, is where representment comes in.

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