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Unless there is a way to substitute the swipe (like using a registered IP from your phone or tablet) and capturing the the signature...fraud is going to continue.
I ran an important electronics business 10 or so year ago and I had chargebacks where I had zipcode and signature matches. V/MC...whoever it was...claimed the recipient of the package was not cardholder and it was my responsibility 3k miles away. I never understood how I wasn't protected. You cant win.
Like what I said before, moving to ACH makes customers think twice about reporting the fraud. The problem with ACH is that there is no system to check current balances and debit immediately. The banks can, they choose not to. They make more money sitting on that cash in the accounts that extra day.
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