[moneylaundering]

I think your complaint is fair regarding being lumped in despite a history of good citizenship, and I agree and add that the card networks were definitely a bit thoughtless during the adult crackdown in 2002. They have since offloaded most of this risk management process to specialty processors that do take good citizenship into account, rare as it is in Adult CNP. All high-risk means now is a couple thousand dollar startup fee and quicker turnaround through chargeback/fraud remediation programs.

Also, banks aren’t limited by anyone to a certain percentage of high risk merchant accounts currently, I am not sure if they had that limitation 10 years ago. There are certain banks, that I have interviewed extensively for my cases, that almost exclusively process cards for high-risk accounts.