A naively operating shop will pay zero attention to whom the payment comes from as long as it has a reference ID and amount that matches a real order. And such

A naively operating shop will pay zero attention to whom the payment comes from as long as it has a reference ID and amount that matches a real order. And such payments can also be entirely legitimate, e.g. when Joe is a kid who wants to buy a gaming console and Bob is their father who pays for it.