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Stolen cards are pretty hard to catch in a card not present environment. I always have my merchants verify CVV and zip for an approval.
Friendly fraud is going to exist regardless of what measures you put in place. Having a clear and concise descriptor and contact information helps to an extent - but as long as the customer only has to pick up a phone to initiate a charge back, it will always exist.
Accepting ach or check 21, at least it makes the dispute a little more difficult - requiring customers to walk into a bank, sign paperwork stating the charges were not authorized and then having to open a new bank account. Most customers will just opt to call the merchant and cancel instead of going through that hassle.
Maybe if there was a way to do like an AVS using ip addresses for card not present transaction, that might help fight fraud.
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