For example, in my experience: user pays, website gets money, website releases product. It's the user that could be defrauded, not the website. I never heard of fraud issues from the website owners' perspective in the Netherlands where credit cards are just not the main method to pay online. Fraudulent Paypal chargebacks, sure, but iDeal.nl or a regular SEPA transfer just doesn't have chargebacks. It would appear that there is a way to solve this without tracking.