[jaclaz]

There is no fraudulent transaction, or - probably saying it better - any transaction is not fraudulent until it is detected as such or reported as such.

The whole point of the (rightful) "objection" I mentioned is that there are mechanisms of alarm that would be triggered by - say - a new (delinquent) account receiving one hundred 25 US$ (or Euros) transactions (and no other transaction) in a small amount of time and then, a few hours or days later the sum is transferred to another account and cashed or spent.

But if it is a couple transactions of 1,500 US$ each (or whatever sum that - while being substantial - is below a given triggering alert level) would the alarm be triggered?

Or will it be triggered only after - say - 2/3 of the credit is spent?

[rasz]

You have to be a merchant to receive any transactions.

[jaclaz]

Sure, as if fake merchant accounts are not possible:

https://www.finextra.com/blogposting/14769/three-types-of-me...

[rasz]

If you manage to get a merchant account (mule, homeless credentials) you dont need additional technologically advanced/complicated exploits involving getting physically close to people. You just open internet shop, list highend multimedia equipment(TV, consoles, laptops, phones) at 30% off prices and spam FB/coupon/deal sites.