[rytis]

so how would that work in the DD scenario? someone goes to a bank and asks for 6 months of payments back, what happens to me (the seller)?

[untog]

To be honest, I don't know. But the same applies to credit cards- I can walk into a store, buy something, then phone up my credit card provider and reverse the transaction.

It just happens with Paypal far more often, and their investigation process is much less transparent.