Wouldn’t work for money laundering. As far as AML regs (and banks) are concerned a small business is indistinguishable from a personal retail account. This makes sense from a business point of view because a lot of small businesses are just one guy, and small business owners tend to mix their personal finance with their business finance. From an AML point of view, a lot, perhaps most money laundering is done with registered business entities. It’s easier to create a numbered corporation than a whole person.

In the US, gift cards seem to be popular with consumers.

I regularly see people in line at the supermarket, buying gift cards. I notice, because it’s a discrete workflow, that stands out.

I doubt they are all feeding scammers.

I think that charities often solicit gift cards.