In which jurisdictions? I'm skeptical. If a vendor takes reasonable precautions it should not generally be possible to hold them liable. Anyway you've circled

In which jurisdictions? I'm skeptical. If a vendor takes reasonable precautions it should not generally be possible to hold them liable. Anyway you've circled back to user generated content. But again, that's far from the only thing that payment processors have discriminated against over the past couple of decades.