Illinois Code § 815 ILCS 140/2

Except to the extent provided in a merchant credit card agreement, a
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seller shall not be liable to the issuer of a credit card, or to any other
party to a merchant credit card agreement or that party's agent or
representative, for loss or damage to the issuer or other party resulting
from a failure of the holder or user of the credit card to pay any
obligation arising from a credit card transaction, provided that the seller
has fully performed its obligation under the merchant credit card agreement
and has not breached any of its obligations to the purchaser in the credit
card transaction.

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