Most every ecommerce merchant has experienced credit card fraud. But some merchants have experienced more fraud than others, and fraud-prevention efforts vary from merchant to merchant. Cybersource, the payment gateway company, tracks all of this. For 11 years now it has assembled an online fraud report called “Online Payment Fraud Trends, Merchant Practices and Benchmarks.” The architect of the report, and the survey behind it, is Doug Schwegman, CyberSource’s director of customer and market intelligence. He joins Practical Ecommerce’s Kerry Murdock.