[hotnfresh]

For small and mid sized players, it’s not to save a few bucks. If your fraud prevention isn’t locked down tight then you will draw enough fraud that it threatens your ability to take payments at all. This stuff can kill a business in a bad day or two.

Take it up with the payment providers. They provide fraud prevention but like to leave vendors guessing about how to configure it, and make it a premium add-on, which is kinda fucked up since they’ll boot you off for letting too much fraud through. It’s a protection racket on the vendor side—they’re also being screwed by this state of affairs.