[ig1]

ACH fraud isn't a new thing, generally if the vendor can show evidence to the bank that the transaction was legitimate (the verification & IP checks are probably sufficient) they can suspend the chargeback.

There's also the deterrent factor, what your suggesting violates a whole number of criminal laws including wire fraud and money laundering. So we're talking seizure of assets and significant jail time.

Moreover if you're convicted of such a crime you can pretty much say goodbye to ever getting any kind of financial product at any kind of reasonable price ever again. No credit, no mortgage, no insurance, etc. You may even struggle to get a regular bank account.

You've got a pretty high-chance of being caught assuming the exchange even has rudimentary fraud detection, so doing it for $200k is crazy because the pay-off is so low.

[bubul]

ACH fraud is ok for vendors that are a) creditors b) selling a trackable product (eg. something with a fedex tracking number)

Neither the verification nor ip address is admissible, and if any marketplace owner thinks it ok to use ACH they are out of their mind.

[ig1]

> Neither the verification nor ip address is admissible

I suggest you research ACH, banks can and have reversed chargebacks in such cases.

Your bank account will be flagged onto the bank (and government) watch-list anyway for making high-value money transfers without clear cause. People try to do far more sophisticated fraud than you're imagining and banks do a reasonably good job at spotting it.