IF this is the same EOM, the situation as described would have to mean that he was registered as a credit card merchant ... ie, that he could accept credit card payments. Although this does not usually require a great deal of creditworthiness or a need to post a financial bond (since you're not actually getting any of the bankcard processor's money), it does require a history of aboveboard financial dealings. Banks and other bankcard processors take a very dim view of fraudulent merchants!! If you're confident that this charge was fraudulent you should report it to your card issuer ASAP - if it's fraud you shouldn't owe anything on it, just a lot of hassle :-(