As far as Giftango goes, they simply provide the platform, Whole Foods (or whomever is the actual gift card merchant) is responsible for any fraud which occurs

As far as Giftango goes, they simply provide the platform, Whole Foods (or whomever is the actual gift card merchant) is responsible for any fraud which occurs due to abuse of the platform. Assuming the fraud was successful, Whole Foods will lose both their product and their money.