MC (and no doubt others like Visa) are complicit in facilitating fraudulent enterprises in countries like China that pretend to be UK based companies, but ship imitation electronic products which don't work. They then bend over backwards to protect the vendor against claims for refunds. As the banks have been dragged over the coals for their money laundering for criminal enterprises, the likes of MC should not be allowed to provide their services to fraudulent enterprises, just so they can continue their ceaseless drive to dominate the world of on-line commerce