Internet crime has also entered my realm

In Denmark we have for many years used a secure domestic credit card - Dankortet - and all Danes use it more or less for all their purchased based money transactions. In my e-store - - we sell Nikon equipment and other photography related articles. You can pay with Dankortet or a Paypal account. October 1st I received an order for a AF-S Nikkor 70-200mm f/4 lens and the payment was done with a Dankort. The delivery address was in Denmark, I could see a phone number, an e-mail address and the IP-number. Their was nothing suspicious with that order - except the customer name - but then again I have many customer with a none Danish name, and they have never given me any worries. The money was transferred to my account and I shipped the lens.

Today I received a mail from nets - the largest provider of payment services in the Nordic - informing me, that the owner of the Dankort has made objection to the purchase and denied to have place the order. So they had to transfer the money from my account to the owner of the Dankort.

The most probably explanation is that the Dankort has been stolen and used to made this purchase (you also need the 3-digit code on the backside of the credit card to complete the on-line purchase) before the owner reported the theft.
The only thing I can do now is to report this "theft" to the police. But the bottom line is that I have done nothing wrong and end up with the bill (equal to a full quarter earnings as we are a very small e-store and the profit margins are very small).

Please remember - I had no chance to check if this was a suspicious order.

What a demotivating experience....

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