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How do online merchants deal with the online fraudulent activities?

Most people in country say that they don't really trust the online businesses as most of them are being involved on fraudulent activities and cyber bullying. So how are the online merchants supposed to deal with that?
Unfortunately in most cases you can't get your money or products back. so it is to be very careful as you sell your products
 
This is where reputation comes into play. While a lot of people complaining about the amount of fraud in the online space, there are still people who shop from shops like jumia and the likes simply based on the reputation jumia already has.
 
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