

In fact, in many places ordinary citizens can’t file criminal charges even if they wanted to; it’s often reserved for state (polity or part of) prosecutors. But pressing charges is different, it’s just an agreement to cooperate with the investigation.
Read mastercard’s actual rule that is literally in the OP. The processor’s interpretation isn’t flawed and in no way does Mastercard limit their rule to what is illegal.
The rule is so open ended and vague that it’s entirely on Mastercard (and Visa) that this shit happened.