The Federal Bureau of Investigation has been investigating the case, which court documents describe as “similar to a Ponzi scheme,” for more than six months.

Urbanovsky’s alleged scam was hatched around May 2014 and continued through March of last year. At one point, to allay suspicions, she fraudulently posed as an employee of Southwest Airlines, emailing employees and customers with assurances, according to charging documents.

Southwest was not involved in voucher sales.

Square Inc., a San Francisco-based payment processor that ran more than $7 million in payments for Creative Creations, is out more than $4.7 million, according to charging papers.

Creative Creations sold vouchers for travel on Southwest Airlines that it said were valid for travel anywhere in the United States for about $150 or less.

Authorities allege that Urbanovsky paid her employees a commission for each voucher sold. The company would then create an invoice documenting the purchase, which served as the customer’s “voucher.”

Purchasers booked flights through Creative Creations’ online portal. Some people were able to successfully book travel through late March of 2015, but others came away empty-handed.