The naysayers have probably never dealt with real, persistent credit card fraud. I have. I think this is a beautiful idea that will do a lot of good for us. I

The naysayers have probably never dealt with real, persistent credit card fraud. I have. I think this is a beautiful idea that will do a lot of good for us. I run a B2B SaaS company that attracts its fair share of fraud. If we simply string these bad actors along instead of banning them outright I think we would see a decrease in fraud attempts. Of course this would only be a manual thing. The vast majority of our customers come from sales channels and not through the web or search referrals. This will work great for us as we already have a manual account approval process. Instead of banning them, we'll hellban them.