[_DeadFred_]

You are told very strongly that you are not to do this, way before you get to a point where you are even close to touching live. So it is not common sense at all.

Maybe not industry wide but you could just be banned from say Chase/Paymentech (long time away from payment stuff not sure names now) or whatever processor. But guess what, some vendors only support one processor, or a preferred one has WAY better fee structures so you don't want to be kicked off.

And sometimes when you are a franchise you have to use the franchise approved POS/payment vendor (when you buy say a gas station payment system it doesn't support every payment processor just the subset of those approved for it by the payment system company AND approved by the franchising company/brand for example Exxon).

Also some people own a lot of businesses under an LLC/Corp so getting blacklisted from a payment processor and having 40 sites unable to accept cards could be painful.

So not a good idea to risk it.

Finally the Federal government PROVIDES industry wide financial blacklists. Processors aren't getting in any trouble for collusion for unbanking people/businesses. The left wants to unbank all weapons dealers and right wants to unbank all porn distributors and everyone wants to unbank supporters of warcrimes, drugdealers, etc.