[TheSocialAndrew]

It is the same with Airbnb. The platform does not allow you to perform your own guest verification, there isn't any fraud detection score that you can see (like Stripe Atlas would have), and worst of all the full name on the account can be changed at any time without additional verification. So as a guest you could create an account on someone else's name and book using their card, then change the name to match your ID before checking in (in case the host does ask for an ID) and you're all set.

When this happens and typically some time after the guest completed their stay, you receive an email from Airbnb saying "Problem collecting payment for reservation [XXX]" that explains how Airbnb will do their best to collect payment but they are not obligated to.

Basically these are platforms that will give you no choice in payment processing, but will also take no responsibility when it comes to fraud, nor give you any tools to fight fraud.