And to what end? To be a dick? To piss off the false-positive customers your system inevitably flags incorrectly? There are reasons it's hard to have an accurate, effective no-fly list and that list costs a lot to maintain.
And to what end? To be a dick? To piss off the false-positive customers your system inevitably flags incorrectly? There are reasons it's hard to have an accurate, effective no-fly list and that list costs a lot to maintain.
A ban is very easy to do, what you're describing is a ban unable to be circumvented. Most customers will give up with a small amount of effort - ban their email address and phone number and they'll give up.
If you're a company that collects and collates govenment IDs and their associated addresses, names, etc (which AirBNB are), then you can build something much closer to an uncircumventable ban.
The purpose for such a list is generally to remove low value, high cost customers who rate too high on your risk meter.
There's also the part where the merchant agreed to abide by chargeback rulings and not ban the cardholder.