You’d think so, but if the charge does end up being fraudulent, and customer charges back, not only are you on the hook for the full charge, plus processing fee

You’d think so, but if the charge does end up being fraudulent, and customer charges back, not only are you on the hook for the full charge, plus processing fees, plus a $15 dispute fee/penalty. It is why I also cringe when people chargeback before they ask for refunds. The system is stacked against the retailer.