Research the challenges associated with payments across international borders and prepare a written report of your findings. Do most e-commerce companies conduct business internationally? How do they protect themselves from repudiation? How can a company protect against fraud? What special arrangements may need to be taken for security? How do exchange rates impact online purchases? What about shipping charges? Summarize by describing the difficulties between a U.S. customer and an international customer who each make a purchase from a U.S. e-commerce merchant.