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Each financial institution has a contract with Visa and they have a very complex set of rules that they agreed to, including how dispute cN be resolved. The merchant FI receives the complaint and in the case of a scammer would probably freeze their accounts when the disputes start rolling in; I expect by that point the scammers are already gone and the merchant FI would take a bit of a loss, but it their responsibility because they gave a scammer the opportunity to take credit card payments. That FI got scammed long before you did.I never seen so many counterfeits dispute as I have in the past 6 months so I assume some FI got really lenient in their merchant application process, made it too easy or something and some bad people exploited it to setup a bunch of fake websites able to get legit credit card payments.

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