[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.