As Busta said, the person who has their bank stolen will not be liable for the purchases made on their account. Also, you are receiving stolen money. Do not forget that. People need to realize that, especially when no other party is involved. It is the merchant's responsibility to avoid being paid with stolen money. Asking if you're able to keep the money after demonstrates a major lack of maturity on the side of the merchant. If you accept stolen money in return for gold, you should not expect somebody else to foot the bill for it.