[cots]

We are seeing a huge uplift in refunds/chargebacks so far in 2015 (via CCBill). On very similar sales year on year with 2014, refunds and chargebacks are up 149%!

The main culprit is chargebacks.

So do we assume credit card fraud is growing at a huge rate, or is it members who understand the system and commit fraud, or a combination of both?

Either way it's a total pisser - discuss!