Fraud in online payments is a serious issue faced by both consumers and businesses. In this article, we'll explore several typical scenarios of fraud that may require the use of chargebacks to protect consumer rights.

1. Unauthorized transactions:

One of the most common scenarios of fraud involves unauthorized transactions. These may occur when a fraudster gains access to a consumer's payment details and makes transactions without their knowledge.

2. Seller non-performance:

Another typical scenario is seller non-performance. This can include failure to deliver goods or services, providing substandard goods or services, or violating the terms of agreement between the seller and the buyer.

3. Fake transactions:

Fake transactions are another prevalent type of fraud. This involves instances where a fraudster creates fake accounts or false transactions to deceive the payment system or bank.

4. Seller refusal to provide refund:

Sometimes, a seller may refuse to refund a buyer after a failed transaction. This could be due to the lack of guarantees or a refund policy from the seller's end.

5. Fictitious or unscrupulous companies:

Some fraudulent schemes may involve fictitious or unscrupulous companies offering goods or services that do not match the description or fail to deliver any goods or services after receiving payment.

In the event of encountering any of these fraud scenarios, a chargeback can be an effective tool for recovering lost funds and ensuring fairness for consumers. However, it's also important to take precautions and closely monitor the security of your payments to prevent fraudulent activities.