What tools help reduce fraud or friendly fraud for online businesses? 

This guide explains the differences between payment fraud and friendly fraud, identifies where fraud happens (login, checkout, refunds, subscriptions), who performs it (bots, criminals, account takeover, repeat disputers), and provides a layered set of defenses — bot and login protection, checkout risk filters, selective 3DS/identity checks, early dispute alerts, clear customer communication, and centralized evidence collection — to reduce chargebacks without harming legitimate customer conversion.