I appreciate the candor. I was more curious about the third party processor than the bossman's intentions - apologies if I came off as foolish.
Nope, just saying, if you're looking to scam people there are much less labor-intensive and lower-cost ways to do it.
I understand. Thanks for helping out.
@tyote
Anyone looking to rip you off probably isn't running a web site that's running in the red eight months out of a given ten.