[pgeorgi]

Charge back from credit cards works just fine, too. And using it with either banking system gets you in rather serious trouble if you're found to abuse the charge back mechanism.

Safe payment methods are advance payment (since there's no reason to allow someone to charge back an order they've explicitely placed at their bank) and cash on delivery (though that's expensive). Which is why some large merchants (eg. Neckermann) restrict payment options to these two for the first transaction.