[zaarn]

Tbh there isn't much security in SEPA either. The only reason SEPA Debit Fraud is rare is because A) it requires you having a bank account with a verified address and business registration and B) the bank is liable if the vendor goes fraudstering. The bank gets the money from the fraudster or they loose it.

You can also easily block or reverse transfers either in general or for specific merchants including down to blocking only weekly payments under 50€ from vendor X if you want to be really specific.