>> On Nov. 25, Tock sent Hwang an email letting her know the customer was disputing the $728.76 charge and the payment had been temporarily removed from her account. The reason for the dispute was listed as “other fraud card absent” (the real cardholder said someone else used their credit card number).

I feel really bad for this restaurant owner. Wouldn't a solution be to have the card present at pickup for confirmation/swipe? How much benefit does the establishment get from a phone/internet swipe vs an in-person swipe on pickup?