Chargebacks are becoming one of the biggest payment challenges for businesses of all sizes today. While some chargebacks are completely legitimate, it turns out that fraudsters have figured out a way to get more free merchandise using this refund technique. This becomes especially true when it turns out that credit card issuers, like banks, often rule for the cardholder (or fraudster posing as the card holder). Although any business can fall victim to this type of fraud, there are some businesses that have been identified as being more likely to be affected. These businesses are then labeled high risk by credit card processing companies and must contend with higher fees or the inability to even get a merchant account.