Retail fraud is usually framed as an external threat, professional criminals, stolen cards, organised attacks. And those risks are real. But a growing share of ecommerce losses is coming from somewhere far less obvious: customers themselves. According to Ravelin’s State of Refund Abuse Report , more than one in four online shoppers admit to exploiting refund policies. Even more striking, 46% of those who attempt it say they succeed every time. At that point, something changes

Card Issuers today are fighting a battle across four fronts: False positives  that block good customers and bleed interchange Card-not-present (CNP) fraud losses  can run six to ten times higher than card present Operational drag  from disputes, card reissues, and call centre costs Cardholder churn  when customers are denied You don’t see all of these on one line of the P&L, but together they erode margin every single day. Now picture a different world. Every e-commerce purch

Refuelling a vehicle has always been a simple process. Pull up to the pump, swipe or tap your card, fill up, and you’re on your way. No...