As I understand, this rule is up to the merchant, so most might choose not to follow it. What I meant to say, that tools to prevent such fraud exists, it only n

As I understand, this rule is up to the merchant, so most might choose not to follow it. What I meant to say, that tools to prevent such fraud exists, it only needs to be used more often. "i fail to see how this stop hackers, who use stolen ebay/paypal accounts." It won't. But this article says nothing about stolen Ebay/Paypal accounts, that's completely different problem.