[tardedmeme]

There is no gap between those things. Any fraud signal at all either causes people to get blocked, then it's a cross-merchant block, or it doesn't cause people to get blocked, then it's useless.

[cwillu]

The gap between “block on first signal” and “ignore the signal entirely” exists, and it is not small.

[tardedmeme]

The gap between "block transaction" and "don't block transaction" is nonexistent and that's the only thing that actually matters. What else are you, as a payment processor, gonna do besides block a transaction? Allow the transaction but send the user a sternly worded email?

[cwillu]

False dichotomy is false; good day.

[tardedmeme]

You repeatedly failed to describe any third option. Good day.