how to "game the system." Around 4 in 10 (39%) order is also a common reason, with 35% citing this as a driving factor in rising FPM rates, this year. newer, more advanced fraud tools and tactics for rising FPM, as well, including the emergence of responsible for rising FPM, according to merchant and easy to submit disputes as a key factor. MRC Conversely, merchants in Europe are significantly less / inflation and changes in cardholder protection, both in North America, versus those in Europe and elsewhere. And merchants themselves take some of the blame, as well, with 25% claiming that adding and merchants in APAC, and a significantly smaller one