From 2021 to 2025, the rate of chargebacks in the US rose about 29% and worldwide it rose about 46%. Some of that is due to a greater number of credit card transactions overall, but most of that is because people are uh disputing more transactions for a variety of reasons. >> Yeah, so you also talked about this other category of chargebacks, which is where people are basically intentionally using them to get free stuff. Um talk about this uh not so friendly fraud. How prevalent is this and how does it work? ...

From 2021 to 2025, the rate of chargebacks in the US rose about 29% and worldwide it rose about 46%. Some of that is due to a greater number of credit card transactions overall, but most of that is because people are uh disputing more transactions for a variety of reasons. >> Yeah, so you also talked about this other category of chargebacks, which is where people are basically intentionally using them to get free stuff. Um talk about this uh not so friendly fraud. How prevalent is this and how does it work? ...