What is after effect of carding?

[Skolld]

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