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Asking the treasury to do ideological/legal analysis of transactions is the same as giving your bank the responsibility of approving your credit card expenditure based on their idea of what you need/should buy.

The fact that they're going for the payment system and not for contract/orders analysis is exactly the red flag people are and should be concerned about.

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Banks actually do that though. Credit cards have massive risk analysis engines behind them, and the limits are tied to your creditworthyness. So maybe it's not a good analogy.

Thats for giving you credit. Not for spending your own balance.

It's about spending your balance too. They will block transactions if they think there's a high risk of the transaction triggering a chargeback complaint, if they think the recipient might be sanctioned, if they aren't sure if the card was cloned etc.

What would be your recommendation?

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