Unable to charge nx via credit cards

Well it seems to me that a fraudster would attempt the following:
Create new MS account(s), maybe new paypal account(s), wait a few weeks, level up a char if required, charge lots, buy gach or meso sacks (or whatever credit NX can buy that is transferable), transfer proceeds to another account, reverse charges, done.
So possible triggers for the 'risky account' flag might be
-attempting large or multiple charges to a new(ish) MS account
-attempting to charge from a new paypal account or card
-atempting to charge from more than one source (multiple paypals, credit cards)
-attempting to charge more than one MS account from same paypal or credit card, or from same IP address (hope not this one, cause I do this)
-changed or spoofed IP address
-mismatch between MS account info and paypay/card info (eg name, age, IP-derived location vs address known to paypal/card)