permutations, I personally do not see how PaySystems or any other merchant provider could get sued because of manufacturer you buy from incompetence. And PaySystems just lets you know that before you engage in transaction, unlike other merchants who don't. PaySystems has contract relationship only between themselves and service/product provider. On some deeper level they might be held responsible for actions made only by the client (not buyers of that client), but usually it results in quick contract termination because most of the time these issues arise from abusing the terms of service.

If a company you bought from charged you wrongly - that company is primarily responsible, because they were the principle agent in this contract between you and them. You may do a charge back through both the company or your Credit Card processor, not PaySystems because it didn't sell you the product or service.

That's how I understand the game rules. Hope this makes it more clear.

Nothing wrong with that. Its in the law book either way. PaySystems just makes publics more aware of principle-agent liability law. Check Civil Code of Lower Canada articles 1375+ (Contracts) and 1457+ (Civil Liability) and 1622-1623 (Anticipated Assesment of Damages).

Best,