Fraud is hard especially for a small eCommerce store because of chargebacks. Unlike a brick and mortar store who can show the credit card association physical receipts with signatures, a video recording of a customer purchasing an item from a store, or ask a customer for an ID, online merchants can only show shipping receipts. These are often not enough. Chargeback policies are skewed towards buyers. The funny part is that this is only mostly true in the US, Canada, and Europe. If you're a credit card owner from another country (especially in Asia) it is very difficult to file for a chargeback.