[stef25]

So the shop receives an order from the scammer named Joe but gets a payment from a customer called Bob, wouldn't that raise a flag?

[miki123211]

The shop doesn't receive anything except a confirmation that the payment went through.

Those traditional bank transfers are set up by a payment gateway (Przelewy24, DotPay, Payu), which is linked to the marketplace (eBay, Allegro), on which the seller actually operates.

The seller definitely doesn't get your payment info, not sure about the marketplace, but I don't think they do.

Besides, if you live in Poland and opt for payment via traditional, old-style bank transfer, you're probably a very unsophisticated customer. Most likely, you're completely unbanked and will hand over cash to a relative who will make the transfer for you. Most people who own a bank account and have enough tech skills to make a purchase over the internet will use a different payment method.

[brazzy]

A naively operating shop will pay zero attention to whom the payment comes from as long as it has a reference ID and amount that matches a real order.

And such payments can also be entirely legitimate, e.g. when Joe is a kid who wants to buy a gaming console and Bob is their father who pays for it.