Chargeback fraud, also known as friendly fraud, occurs when a consumer makes an online shopping purchase with their own credit card, and then requests a chargeback from the issuing bank after receiving the purchased goods or services. Once approved, the chargeback cancels the financial transaction, and the consumer receives a refund of the money they spent. When a chargeback occurs, the merchant is accountable, regardless of whatever measures they took to verify the transaction.
Example : You make a real order on amazon using your own credit card. You choose an electronically delivered item such as a gift card to an email that does not traceback to you.
After a couple of days you call the bank and report the transaction as fraud. You get your money back and by now you would of used the gift cards to ship actual items to a drop.