[morganvachon]

Thanks for the info. I wonder if, now or at some point in the past, Klarna had mandatory customer DOB as opt-out rather than opt-in for a default card processing setup on the merchant facing side, and many small businesses in my experience either don't have IT staff or it's their cousin's wife's uncle doing IT for them on the cheap, and they just don't see it or understand its significance.

I know there were dozens of switches to flip when we switched to a new storefront and shopping cart vendor a few years ago, and I missed a few initially despite my experience with setting those up in the past. That's what sandboxing is designed to catch, but I can picture PHBs in every industry saying "damn the testing, full speed ahead!" with no thought for consequences.