I'm curious, you folks probably make money off of fraud right? You probably have negotiated whatever dispute fee you pay processors directly well below the $15 you pass on to sellers, pocketing the difference.

So I'm guessing that Radar's price was set with this in mind, you ran the regression to set a price to ensure revenue does not decrease by having better fraud detection. Hence the super expensive price. If this wasn't the case, Radar probably would be free.

Probably creates a really bizarre incentive. You don't want to deal with obvious scams that hurt processing reputation, but you probably also want to make your built in fraud detection just crappy enough to ensure you capitalize on that revenue.