Itch credit is a credit system used to purchase products on itch.io. this credit is used in place of USD, euro, yen or any other currency. To purchase an itch credit just use your credit/debit/PayPal (whatever) with our credit system to get your itch credit. Then use your itch credits to purchase any product we have for sale.
What do we tell those pesky payment processors? The truth that the money was used to get itch credit. What do we tell them when they asked what that was used for? Well that is none of their business as that has nothing to do with their services and would breach the privacy of our customers.
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But in all seriousness insert something between the processors so that they have no say over it. They can't complain if all their processing is a store credit that they have no say over how it's being used. They are not processing a payment for the game big booty b*****es or whatever they are processing a payment of 10$ for 10 itch credits or whatever you use.