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@1688storewrote:

This is just an example but it doesn't mean that it will never happen in reality because there are too many cyber criminals online.

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It might happen, sure, but why isolate just 100 sales to get your percentage? You have to look at the bigger picture.

What if, over 200 sales, instead only experience a 1% INR rate after adding 20c to all your prices. Your extra 20c per sale amounts to $40, and you've only had to cover $12.40 in losses, leaving an extra $27.60 in your "insurance fund". Then the next 100 sales, you experience a 10% loss rate, so you have $20 plus $27.60 and need to cover $62, leaving a loss of $14.60. The next 100 sales you experience a 2% INR rate, so again you need to cover $12.40 and have an additional $20, ultimately leaving a deficit over 400 sales of $7.

Increase the added amount to 30c, and over those 400 sales you get $120, but have refunded $88.20 from 14 INR cases (an actual INR rate of 3.5% - however even that is quite high. I send more than 100 untracked large letters a week, and have a loss rate of less than 1%, it may be different in other categories, but I would be surprised if anyone has a long term lost rate in excess of 5% - there are scammers out there, to be sure, and even one is one to many in my book, but when it comes to business, IMHO, basing these kinds of decisions on "what if" rather than "what is", is not a good strategy.