(I don't like advertising on these threads, but since somebody asked me directly I'll reply.) Credit card companies protect consumers, but not merchants. When

(I don't like advertising on these threads, but since somebody asked me directly I'll reply.) Credit card companies protect consumers, but not merchants. When you call up your bank to report that a transaction was fraudulent, the credit card company reverses the transaction and withdraws the money from the merchant's account. That reversal, called a chargeback, can occur months after the original sale. Merchants can lose thousands, even millions, of dollars per month due to chargebacks. That means anybody who sells stuff online needs a way to detect fraud on their site in real time, and that's what Sift Science does. If you run a web site with a payment form, give it a shot: http://siftscience.com http://siftscience.com.