Additionally the whole charge is likely to be reversed (or it has been for me in similar situations) and the business will have to pay a pretty big ($20+) fee.

Additionally the whole charge is likely to be reversed (or it has been for me in similar situations) and the business will have to pay a pretty big ($20+) fee. Of course the employee could be a bad actor but it's in the businesses best interest to try to ensure that isn't the case. I think if there are too many chargebacks, the business gets designated as high-risk and will also have to pay more processing fees. One thing to note about the US is that card processing fees are more than double what they are in the UK/EU. It allows CC companies to eat the costs of fraud more without passing it onto the consumer/business.