What is after effect of carding?

hackack68

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carding since last 9yrs but still I could not found a proper ans that what is What is after effect of carding?

Suppose that
I am shopping for $100 & making payment from MR. John's card, so here I am benifitted & MR.John looses his $100 . Then he is making complain to bank, bank will ask paymentgateway, payment gateway will ask shopping site, after a long investigation they will found that it's a frud transaction. But I have already received the product.

Now my question is that who is ultemately loosing the money ?

Please answer me