[pas]

why does it take months though?

in these situations the payment provider absolutely has the upper hand, and they abuse it in the name of safety. the same way Amazon treats their merchants like shit, because there is an endless queue of fools to try to "start a business"

it's the same security theater that is done at airports. there are always suspicious things. false positive rate be damned.

if there's a suspicion, that the card used may have been "stolen" then freeze it, call the end user. it takes a few days at most, right? banks do this all the time, usually these are cleared in minutes.

if the bank cannot reach the user, ask the merchant to ask the user to call the bank.

these are clear and trivial steps to do. yet instead there's "investigation" by the useless middleman.

[411111111111111]

the duration was heavily dependent on outside factors for the payment provider I've worked for.

Usually, the police had been notified if it was a very long time, which the customer can't be told as they could be involved in the crime. It really depends on the case so there is very little value our discussion here can provide.

Also, Banks have kept accounts frozen for months too if their holders are suspected of fraud.

[pas]

The customer can be involved. At this point why not just shoot everyone? The payment processor can be involved too! The police are on in it, obviously.

I mean, we're almost beyond the civil asset forfeiture guilty-until-proven-innocent level.

It's plain and simple corporate bullying. Because they can. Yes, I know it's a hard problem. Yes, if it were easy there were endless cheap knockoff payment processors. Yes, criminals are constantly outsmarting the good guys. Yes, I know it's in the ToS, etc. Yes, I know we don't live in a just world.

These still not make it right. It's yet again a fucking tax on the small shops.

[gnopgnip]

Does it take months when there is no fraud?