Chargebacks don't just reverse revenue — they compound it. You lose the product or service already delivered. You pay the dispute fee. And your chargeback ratio climbs, putting your processing agreements and platform reputation at risk. The worst part: most chargeback fraud isn't committed by criminals. It's committed by real customers with real cards who dispute legitimate transactions. This is friendly fraud — and your existing fraud tools weren't designed to catch someone who is exactly who they claim to be. The only defense is proof. Not rules. Not scores. Proof that the person who authorized the transaction was the rightful cardholder, at that exact moment.