StompRomp experiences a very common problem called payment fraud, because they sell a high ticket item. They, and other merchants, are pretty astute at screening for suspicious activity and payment fraud in their retail stores. They can check for photo ID, they can look at the condition of the card, and they can get a signature.
But when taking a payment over the internet, to try and reach customers outside of New Hampshire, they do not have the same abilities. And when taking a payment from a foreign country, the risk of fraud is 3 times higher than for domestic transactions.