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":"afdec15ccbddd2e0986a57ed001c47d9","s":"5c4e2005441a91bc"}