Next a merchant account can be suspended for numerous reasons. The most common is suspected fraud. This doesn’t mean it is happening, or that it’s being done with the businesses knowledge, but that there’s reason to suspect fraud. ie numerous chargebacks, numerous compliants about the wrong amount being charged, numerous chargebacks from people who never had business with you, etc.

In some cases they may wait (thus the we need to talk with your lawyer stall) till they’ve contacted the police so not as to alert whoever at the company might be resonpible for the fraud