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Why don't you only charge a "Success Fee" when payment happens?

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I'm selling Smartphones and at least once a week someone tries to buy a phone fraudulently.

It is easy to see when you get these sales because the client has no ratings and also opened the account the same day they placed the order.
Now we need to wait 7 days to file an SNC as well as another 7 days to get our money back. This is really ridiculous.

On EBAY they only charge a "Success Fee" when actual payment happens. This way I don't have to keep on filing SNCs.

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