Chargebacks are an interesting concept because the process protects consumers from identity theft fraud, but opens the door for consumers to commit chargeback fraud. Chargeback fraud is also known as “friendly fraud.” Friendly fraud is the term for when a consumer authorizes a transaction for an online purchase on his or her credit card, receives the product or products the consumer paid for, but then later the same consumer files for a chargeback.[21] The fraudulent filing for a chargeback results in a consumer keeping and avoiding paying for the products they ordered.