>Depends on the product. I've seen businesses run at 10%, and others at 0%.

Which products have 10%?

>Typically, you'll get: - Stolen cards (obvious ones) - Stolen cards

Is this with Paypal? Paypal does a hell of a lot of work to prevent stolen cards being used. I've never had a single case of this happening since I moved to Paypal. With Worldpay I did have the occasional one.