Because, right off the bat, the CC processor can do a better job. They have more volume and resources, so their fraud prevention could be just as good if not better than the third party systems (note: _could_, assuming they actually put the necessary effort into it). More importantly, though, what I suggest is implementing actual security on credit cards. These fraud detection systems would be largely unnecessary if credit cards were secure. That's primarily what I suggest, and that would reduce fraud overall, thus reducing overall costs for everybody.