> And they'll investigate and determine you committed fraud, and you'll be fined or go to prison. Trust me, nothing happens to these people. From first-hand ex

> And they'll investigate and determine you committed fraud, and you'll be fined or go to prison. Trust me, nothing happens to these people. From first-hand experience I know that the merchant eats the cost 99% of the time when it's a card-not-present transaction.