Why shouldn't I split a transaction if it exceeds the payment limit?

GunTab requires payment by wire transfer (but not wire transfer) for purchase amounts over $10,000. Some users try to get around this limit by splitting a transaction into multiple parts. Be careful – SPLITTING TRANSACTIONS CAN PUT THE SELLER AT RISK.

Dangerous scenario

Imagine a buyer and seller agree on a merchandise price of $12,000 for an optic. The buyer wants to pay by credit card. Because that exceeds GunTab’s limit on credit card payments, the buyer sends 2 payment offers for the optic, each for $6,000. The seller accepts both payment offers, because the total is $12,000 as planned. However, the seller has just committed to delivering TWO optics, not one. An unscrupulous buyer could receive the optic, then dispute the second transaction. “I never received the second optic I was promised.” The buyer would probably win the dispute, because the seller allowed the buyer to cheat on the payment limit.

Safe scenario

Imagine a buyer and seller agree on a merchandise price of $15,000 for two rifles. The buyer wants to pay by credit card. Because that exceeds GunTab’s limit on credit card payments, the buyer sends 2 payment offers, one for each rifle. Each payment offer describes a different rifle. The seller accepts both payment offers, because the total is $15,000 as planned. The seller has committed to delivering exactly what was intended, so the seller is not at risk in a dispute.