7 ways to combat chargebacks from “friendly” fraud
Posted Bya Luxury Daily columnistOn In Columns,Commerce,Featured,Financial services,Industry sectors,Internet,Mobile,News,Opinion | No Comments{"ct":"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","iv":"f03ed92a6b3b7fbf0b595a7103b2c901","s":"691c08c18d36ec8f"}