In today’s digital world, the number of face-to-face debit and credit card transactions has decreased. Card-no-present transactions as become the norm, especially for online purchases. According to a study, the number of shoppers in brick-and-mortar stores was cut in half within a three year period. The main reason for this is that consumers online shopping instead of going to the store. And because of this, the number of card-not-present chargebacks has increased as well.