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never fly.. you will loose way too many sales... while it does prevent a ton of fraud. We have seen fraudulent users don't want any verification systems at all... We had a fax back system in place for a while that stopped 95% of our fraud. First time credit cards had to fax back an authorization form with their signature on it. That gave us legal recourse as we had their signature (unlike normal online transaction where you are just SOL). However we had a huge drop off in sales. Now we only use it on overseas cards and suspected fraud.
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