[krisoft]

> they'll compensate everyone else involved for the fraud chargebacks,

But in this hypothetical would there be chargebacks? People went to a bar. They consumed, and paid for it. As far as the costumers know it went all good.

The one who is harmed would be the pub. And presumably they would complain and soon.

I don’t doubt that the whole scheme would come to light quick, i’m just questioning the exact mechanism.

[AmericanChopper]

Presuming the attack wasn’t initially detected, which is entirely plausible imo, it would be noticed by the merchant when the funds didn’t settle into their account. So if you do it on Friday, the merchant should notice by Tuesday at the latest. If they don’t pay close attention to their accounts, it might take a little longer.