classybag complaint: we have been into the business for years and encounted many paypal or credit card fraud / scam / ripoff / cheater.and as seller, we are not protected at all. Whenever the scam / fraud / ripoff / cheater / thief complained to the paypal or credit card company that the payment was not authorized, we are in big trouble. we have to find everything useful to prove to paypal and credit card company that the payment was authorized. it caused lots of energy and time even we win the case. here i ask for help: Do you know a good way to keep off or fight against these scams / frauds.