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Payment Bypass & Workflow Flaws: What Are The Legal Risks?

I recently observed some unusual behaviors in a SaaS platform that revealed hidden workflow and payment logic flaws. Nothing malicious just exploring how the system behaves under edge-case scenarios.

Here’s why it matters from a legal/compliance perspective:

Payment & contractual risk: Users could bypass payment steps or manipulate billing flows. Could this create breaches of service contracts or obligations to partners?

Data integrity & audit risk: Wallet balances, account data, and logs could become inconsistent affecting internal audits, PCI DSS compliance, and financial reporting.

Privacy & PII concerns: One phone number could create multiple accounts, potentially violating privacy policies or data protection laws.

Regulatory exposure: These workflow gaps could create liability under financial regulations or SaaS service agreements.

Questions for the community:

How would a workflow like this affect compliance reporting or audit obligations?

Could this be considered a contractual breach or legal liability if abused?

What policies or monitoring would you recommend to prevent these risks?

How compliance and legal professionals handle these subtle but potentially high-impact operational risks.

Location: India

submitted by /u/Suspicious-Case1667
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Payment Bypass & Workflow Flaws: What Are The Legal Risks?

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