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One suspicion is that you're laundering money to yourself. That is, you purchase stolen credit card numbers, then use them to buy your own app, thus turning th

One suspicion is that you're laundering money to yourself. That is, you purchase stolen credit card numbers, then use them to buy your own app, thus turning the cc numbers into actual cash through Apple. But more so, they don't actually care that much about the whys. If your app draws lots of fraudulent purchases, they want it dead. You're just creating negative revenue (when the fraudulent purchases are reversed) and bad reputation for Apple.

Brian_K_White 4y ago
Pretty convenient for Apple that they decide that's your responsibiliy instead of theirs. Doesn't Apple dictate that the payment goes through them? If it's such a crime to process these transactions that the guilty drserve to die for being involved or associated in any way, then they are even more guilty and should have killed themselves by that logic. Man these big guys sure do give themselves a great gig.
- bg24 4y ago
  I do not understand why the above thread is downvoted. Just because Apple has a problem detecting/controlling fraudulent transactions, they want an app to be dead! Kill-x-app-as-a-service would be popular among scammers.
- aetherson 4y ago
  Basically everyone involved in payments has sort of an informal tax on them that they pay to reduce payment fraud. But since it's all informal, there's this constant push-and-pull about whose responsibility is exactly to do what. The way that payment processors see it is that sites that accept payment's duty is to take enough precautions -- based on the nature of their business, the profile of their customers, etc. -- to keep fraud down to a relatively low level. And if your site is a magnet for fraud you've failed to be a good citizen and they're entitled to be harsh with you. They in return eat the primary liability for fraudulent payments -- that is, they may try to recover fraud from the sites, but it's anyone's guess whether they will be able to, while they themselves will always be on the hook for it. From the perspective of especially smaller sites, it can be like, "Wait, what? What were we supposed to do? How were we supposed to even know that people were using us for fraud?" There's definitely a lot of room for the payment processors to misbehave and push more liability onto the sites than is perhaps optimal.

Brian_K_White 4y ago

Pretty convenient for Apple that they decide that's your responsibiliy instead of theirs. Doesn't Apple dictate that the payment goes through them? If it's such a crime to process these transactions that the guilty drserve to die for being involved or associated in any way, then they are even more guilty and should have killed themselves by that logic. Man these big guys sure do give themselves a great gig.

bg24 4y ago
I do not understand why the above thread is downvoted. Just because Apple has a problem detecting/controlling fraudulent transactions, they want an app to be dead! Kill-x-app-as-a-service would be popular among scammers.
aetherson 4y ago
Basically everyone involved in payments has sort of an informal tax on them that they pay to reduce payment fraud. But since it's all informal, there's this constant push-and-pull about whose responsibility is exactly to do what. The way that payment processors see it is that sites that accept payment's duty is to take enough precautions -- based on the nature of their business, the profile of their customers, etc. -- to keep fraud down to a relatively low level. And if your site is a magnet for fraud you've failed to be a good citizen and they're entitled to be harsh with you. They in return eat the primary liability for fraudulent payments -- that is, they may try to recover fraud from the sites, but it's anyone's guess whether they will be able to, while they themselves will always be on the hook for it. From the perspective of especially smaller sites, it can be like, "Wait, what? What were we supposed to do? How were we supposed to even know that people were using us for fraud?" There's definitely a lot of room for the payment processors to misbehave and push more liability onto the sites than is perhaps optimal.