This MCC involves the sale or funding of stored-value cards or prepaid loans outside of financial institutions. These transactions are considered high-risk due to their potential use in money laundering and fraud, as prepaid cards are often used in untraceable transactions. Stored value cards are also used to 'clean' dirty money, where they can be purchased with stolen funds and then used to make legitimate purchases, making them the center of fraud schemes and money laundering. Platforming these transactions can be risky.

Knowing this, merchants may hide that they offer these services. Safetykit addresses these risks by investigating every product a merchant offers, dozens of fraud and abuse vectors, signals from the website's configuration and checkout process, and dozens of other signals.