I'd say an even bigger question is, why is he even doing it that way at all, and not using a service like Stripe, Braintree, Shopify or similar? They've invest

I'd say an even bigger question is, why is he even doing it that way at all, and not using a service like Stripe, Braintree, Shopify or similar? They've invested in polished checkout experiences, it's what they do, and it moves the burden of PCI compliance, PII storage, SSL etc to the service. When Stripe exists, why would you even go down the merchant account route anymore? Scaring them with the bad stuff might not be effective, people don't react well to being told they're doing everything wrong. Perhaps showing them an easier solution that reduces their admin hassles & could potentially increase their sales is a better way to approach this.