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by wikibob 3218 days ago
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1 comments

Europeans can charge back just fine.
Not always. If a firm wants to avoid that, it's not too hard to do so - it's got to make sure that the transfer was customer initiated, because those aren't necessarily reversible. There are other exceptions too, some of which are probably regional, non-EU-wide. SEPA isn't implemented identically across the EU, incidentally, so not just are the rules locally interpreted, the tech is too; so none of this is quite as simple as it seems it should be.

And then of course there's the fact that reversing charges doesn't change legal liabilities, so this isn't a protection you can rely on if the receiver feels they're in the right and are willing to take (sometimes fairly simple) legal steps.

It's definitely still a nice protection to have, since at least it places some burden of proof on the recipient.