I can only speak for Europe, but your bank won’t do shit, even if you claim that you accidentally sent the money to the wrong person, all they do is connect you to the account owner so you can ask them to return the money and if they don’t you have to go through court.
If someone disputes $500 with your bank, your bank doesn’t hold your whole $15,000 account while sorting it.
I can only speak for Europe, but your bank won’t do shit, even if you claim that you accidentally sent the money to the wrong person, all they do is connect you to the account owner so you can ask them to return the money and if they don’t you have to go through court.
Unless you say the magical words “unauthorized transaction”
For card payments reversal is easy, for bank transfer, a lot harder
you can do chargebacks in the UK if you can convince your bank manager you were stiffed
Also credit cards are easier to do this with, it’s part of the service