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Notes on disputes, fraud and evidence.
What the payment methods actually ask for, where fraud prevention stops, and what a dispute team can do before the notice lands. Researched from the providers' own documentation, with the sources listed under every post.
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· 8 min read
Item not received: the dispute your fraud stack can't stop
Strong customer authentication has made the stolen-card fraudster's life harder. It does nothing about the real customer who says the parcel never came. That claim is decided on delivery evidence, and PayPal, Klarna and Wero each define it differently.
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