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U.S. Federal Law can hold the cardholder victim responsible for up to $50, but the merchant victim is held responsible for 100% plus research and investigation fees levied by the banks.

 

Merchants risk losing their merchandise or services, as well as the research and investigation fees charged by the banks. Merchants in high-risk industries, like unattended automated fuel pumps or Internet sales, anticipate a certain amount of credit card fraud, and set prices accordingly. These higher costs are then passed onto the customer.

 
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