There are dozens of credit-card-fraud prevention services. Some cost money, some are free, and their approach to fraud prevention can vary. So, what are small merchants to do to prevent fraud, and how much money should they spend in the process? A fraud-prevention expert is here to address that for us. He’s John Hammond, technical account manager with Authorize.Net, the credit-card payment gateway company. He joins Practical eCommerce’s Kerry Murdock.