While having one’s card details stolen or used to make a fraudulent payment is undoubtedly stressful and inconvenient, it’s relatively straightforward for an individual to get the funds refunded through their bank. For merchants, fraudulent payments represent a rather different challenge. For a consumer to get their money back, their bank collects a refund from the merchant. But, if the merchant has shipped the goods or performed the service, they often have little recourse to recover costs.