a sale was made recently with our online store, the payment method used by the customer was a credit card, we went on to deliver the goods by post as always to the customer. Later we learned through our bank that the person who used the credit card didnt actually own the card and the real owner of the card denies using the card for this particular transaction. Our bank is now taking the money that was used by the fraudulent transaction out of our account to give back to the real credit card owner.

Unfortunatley the real credit card owner is canadian and the fraudster was indonesian which makes things very difficult for us to get to the bottom of,

Im just looking for peoples opinions on this, is it our fault? advise would be good.

We are using realex to deal with all of our financial transactions.

P.S it was a tidy sum of money