Oh maaaan...this sux
Nigeria is a no-no. I only enjoy reading about them at the scamorama website. Hilarious stuff.
Darn...I can't afford to risk it.
Here's a question....what if as soon as I receive the payment from the customer, I use it to purchase something else online, or send it to another account?
You are overthinking it... This is just how ecommerce works. From Amazon, to Walmart, to anywhere. From the first time someone paid by credit card online in the history of the world, this has been an potential issue.. in 11ish years of online shopping this has always been the case. It's not a major deal because most people aren't douchebags. If they were then ecommerce would have folded a long time ago. Don't worry so much about that "one" guy.
Even in brick & mortar stores, you could goto the market, buy something while wearing a hat and scarf over your face, go home and call the CC company can claim fraud. This started when the first credit system was invented.