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The last few months of the year is a busy time for merchants due to the holidays. Cyber Week (the 5-day period encompassing Thanksgiving to Cyber Monday) brought in [$36.4 billion in revenue] in 2021. Merchants will encounter a significantly higher number of fraudulent purchases. Fraudsters are counting on the fact that the fraud checking department of the various merchants are overworked. If an online store cannot process online payments, there will be losses to the merchant. Merchants should also prepare themselves to [fight chargebacks with evidence].