Tiktok ads, Youtube Ads, Instagram/Meta ads - there's just a huge influx of scams and obviously fake sites on them. AI generated copy, AI generated landing pages...

My honest take on it is that it's the payment companies that are complacent here - they're just allowing payment processing for anyone now up to a certain amount before doing proper diligence. The fact these chinese vendors can spin up a website, get payment processing, verify an ads account and buy advertising shows that many compliance functions are being skipped (or are complicit) in this.

It works because everyone in the game has something to gain from it - Apple's contract likely puts verification on Taboola's plate, which is likely not being done per their own "controls" process, or is itself being automated (poorly). Taboola is getting paid because they're running these ads and charging for them, the vendors are being paid because they're drop shipping temu garbage that doesn't resemble their AI ads (since taboola isn't checking this at all) and getting away with it for a few months by long shipping times and delaying refunds/chargebacks long enough to get paid, and the payment processors (paypal, apple pay, google pay) are all making money on their obscene 1%+ processing markups, and have special "group" programs where a company can underwrite their own merchants provided they follow guidelines (compliance offloading). Visa/Mastercard are offloading their compliance duties to the payment processors until they get a formal complaint or chargeback/refund spike over a certain ratio (where they issue a fine and seize processing volume - which is also income for them).

btw if you want to be 100% sure something is a scam - check the iframe url on the credit card input form on the checkout page - on mustylevo.com its https://cashiers.myshopline.com/pci-sdk/v3/iframe.html?merch... which is hardly a name brand ecom platform - they have a "shopify-like" checkout but that isn't shopify (props to shopify/shop pay - they've been very quick to kill these kind of scams on their platform despite it losing them some fees).

So yeah - everyone involved in this is making money and is complicit through their lack of process.

> It works because everyone in the game has something to gain from it

It's reminiscent of triangulation fraud in that regard. The incentive is for everyone involved to keep their mouths shut because you buy something for below-market prices on sites like eBay, the "seller" places orders using stolen credit and debit cards with legitimate retailers, and the product ships directly to you. Everyone wins...as long as the account holder doesn't pay attention to their statements.

Of all the ways to treat the cancer that is advertising, I think encouraging stricter moderation by the payment providers is the one with the scariest side effects.

> Apple's contract likely puts verification on Taboola's plate

The biggest problem started when Apple accepted Taboola as an advertising partner. Taboola is the master of the chumbox/chumvertising, and it's unsurprising that ads are full of scams, that is Taboola's raison d'etre. See https://medium.com/the-awl/a-complete-taxonomy-of-internet-c... from 10 years ago. This isn't new.