Internet retailers, who carry the main liability for losses from online fraud, are becoming increasingly concerned about their exposure to web-based crime.

For the most part, consumers suffer little financial loss from internet fraud. If a consumer's credit card is used fraudulently over the internet, he or she need only inform the bank and the money is refunded. The bank then reclaims the money from the retailer with which the fraudulent transaction was made - a process known as chargeback.