Solved my problems with fraud in about 2 days of optimizing settings. My shop is being targeted by a few fraudsters that submit fake orders every day. Had so many chargeback fees. I've now been able to block about 99% of the bad orders with this plugin.
Hetzner is reasonably priced hosting that's very stable - I haven't had issues with my servers for over a year while working with them. Nice dashboard and easy setup, and the reliability is by far the best I've experienced.
I love working with Tawk, the plugin is really helpful in loading the script on my site. There are a few features lacking but for a free app, it's perfect. Can get the app on your mobile to make it easier to stay in touch with chat users.