[account42]

This is not true, you can reverse SEPA transfers via your bank. You do need a reason though and there are time limits but if a seller just runs away with your money you don't have to go through the courts in the general case.

[xxpor]

So as a consumer this sounds like it sucks compared to using Visa.

[account42]

As a consumer, certain businesses not existing because Visa doesn't like them sucks infinitely more.