From the article: &quot;Banks say interchange fees help cover the cost of fraud. Retailers argue that fees should therefore decrease if fraud is reduced.&quot;<p>In my three year history of taking credit card payments online there has never been a time when I was not made to bare the entire cost of the chargeback plus Stripe&#x27;s chargeback fees. So I am wondering When, if ever, does the bank or the processor bare the costs of a fraudulent purchase?