[privateSFacct]

I can tell the other replies are from folks running honest businesses!

There is actually another business that leverages it's transaction flow to work with scammers / counterfeit product resellers.

Basically, you buy storefronts at high risk of charge-back or who on their own might have a 10% charge-back rate and can't hold a merchant account. For example, someone sells counterfeit apple chargers. Believe it or not, even though some people might realize it's bogus, maybe only 10% actually charge back. The rest either don't catch on or can't be bothered to charge back. That still is too high. But someone who can mix that in to their own account / high volume account less likely to be shut down - it's a business opportunity.

Exact same issues going on in the ACH space actually which is often used for bogus ongoing / recurring billing.