Fraud can occur in multiple ways: - Phishing Emails: Fraudsters send deceptive emails pretending to be legitimate businesses to steal personal and financial information. - Fake Merchants: Scammers set up fake online stores, lure customers through email promotions, and then steal their payment details. - Chargeback Fraud: Customers make purchases through email links and then dispute the charges with their credit card company, claiming they never received the product or service.