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There are a lot of people who have to use gift cards because they don't have a credit card, or because their foreign credit card isn't accepted, and they can't
by newaccount74 4y ago
There are a lot of people who have to use gift cards because they don't have a credit card, or because their foreign credit card isn't accepted, and they can't get a local card because local banks only offer cards to permanent residents, or because they are minors and their parents don't want to give them a credit card, etc.
If your algorithm throws all these people in with fraudsters, then it's a bad algorithm.
(This problem would be fixed if Apple offered other payment options aside from credit cards)
- tptacek 4y agoBy this logic every anti-fraud system is a bad system, because they all do indeed penalize people without access to the financial system. It's a reasonable thing to lament, but probably not a reasonable thing to expect a change in, because fraudsters outnumber legitimate unbanked users, at least if you count by transactions.