callmeed, this excellent advice and information here. I urge everyone to read this before getting yourself into a hole. Many of the payment API's such as Stripe

callmeed, this excellent advice and information here. I urge everyone to read this before getting yourself into a hole. Many of the payment API's such as Stripe and Balanced Payments make it super easy to deploy an ecommerce site that it makes you think you're done, though as I have learned, that's only half the work. The other half is fraud and loss prevention. And as markbnj commented below, you need to monitor it quite often (24x7). > Law enforcement at all levels were completely unhelpful (I dealt with CA police, AR police, and feds). Once I located the bank and got them on the phone, they at least were able to freeze the checking account (I believe they are required by law to do this once fraud/cybercrime is reported). That's really only a temporary fix though. I actually did call the bank 2 days after the transactions. I believe it takes 2-5 days for direct deposits to arrive to destination bank. When I called the bank, the support agent said they could see the deposits and that they would freeze the account. Though they haven't been very cooperative since then and communication has been limited. The bank agent I was assigned to has been difficult to reach and work with, even my processing company has had trouble getting a hold of them. I'm really hoping the account is still frozen and they will fulfill the reversals. That's my only hope.