As understand it, these mechanisms do not help in the case of fraud or disputes. No way to reverse transactions.
You can't reverse a bank transfer either and payment services such as Zelle are a favorite for scammers and also cannot be reversed either.
So you have not made a point here.
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You can't reverse a bank transfer either and payment services such as Zelle are a favorite for scammers and also cannot be reversed either.
So you have not made a point here.