That's why anti-fraud-as-a-service companies only charge the commission when they approve the transaction, while the declines are free. If everything is decline

That's why anti-fraud-as-a-service companies only charge the commission when they approve the transaction, while the declines are free. If everything is declined, they are not making any money. [Disclaimer: Used to work at anti-fraud-as-a-service company, acquired by a payment behemoth long since]