While I very much sympathize with your viewpoint I've been peripherally involved in analyzing a bunch of e-commerce traffic and I'm sorry to report that of all the charges coming from Nigeria over a substantial period of time there was not a single one that was actually legitimate.

I'm sure there is at least one person in Nigeria that goes against the flow here and that is an honest person simply trying to get by but with the odds that bad you really can't fault the conclusion that Nigerian traffic so risky that the risks far outweigh the benefits.

Merchants typically run a very fine line between operating their business and having their accounts yanked due to 'excessive fraud', any measures they can take to protect themselves from this happening will be implemented without any remorse, it's a survival thing.

For the record, yes, we block Nigerian transactions, and several other countries besides.