Hi,
Accepting credit card transactions does carry some risk of the card being used fraudulently. We do offer Sellers Protection from these items if they follow the terms and conditions of the Seller Protection Program.
Charge backs can take several months to trickle in because---
1. The user that reported the issue with their card may not have noticed it. They have 60 days, in general, to dispute it with the credit card company.
Dealing in computer equipment also carries some risk of being a target for fraudsters.Electronics and jewelry are targets because they are liquid for those engaging in credit card fraud. Major fraud areas include:Russia, Thailand, Malaysia, Indonesia, Ukraine, Romania, etc.
We process well over 100,000+ transactions daily and the majority of them have no issues whatsoever. For those that wish to reduce their potential liability for charge backs, please review the Seller Protection Program. You can also set your payment receiving preferences (for Premier/Business accounts) by going under your account profile (such as accept payments from verified members only).
I had posted some additional information earlier on how to detect potential fraud. The Seller Protection Program is a key asset for those that want to accept credit cards, but do not want to have liability for charge backs by following a few rules.