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> The European SEPA has virtually no fraud protection, unless it was a technical error (duplicate payments etc). The upside is that no-one cares who you transact with. All payments are final.

Yeah, I'm used to using that domestically and rarely for business. We usually use Giros[1] for business and now Swish for more personal stuff. I think most areas now have Klarna (even the US according to Wikipedia). I wonder how much they would interfere in things like this.

1. https://en.wikipedia.org/wiki/Giro

2. https://en.wikipedia.org/wiki/Swish_(payment)

3. https://en.wikipedia.org/wiki/Klarna



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