Payment Fraud and Chargebacks: 3DS2, Risk Scoring, and PrestaShop Anti-Fraud Machinery
An €80 chargeback actually costs €120-200 when you factor in processor fees, network penalties, and HR cost. For high-risk sectors (vape, electronics, digital content), the Visa critical 0.9% threshold is crossed within a quarter without anti-fraud machinery. 3DS2, fraud scoring, friendly fraud, and the defense in depth to deploy on PrestaShop.