Claims that cardholders make for a chargeback of a valid credit or debit card purchase of digital or physical goods can be tied to confusion, remorse or abuse. Whether inadvertent or deliberate, these claims are referred to as either first-party misuse or friendly fraud. Chargeback requests are a worsening problem for merchants, particularly when tied to high-value or low-margin purchases. Visa and Mastercard network rules favor cardholders at the expense of merchants. They were created to build trust in the card payment system. However, in recent years, it can be said that an increasing nu...