-
I'm able to use it, but it's linked to an American bank account and it takes me forever to actually get the money on what should be a simple transaction. And I just really don't like paypal (for a variety of reasons from politics to it makes me do un-wise things with my money).
But I see your point about creating a model that could be exploited and I wouldn't be upset if you banned bank transfers.
¡apesta!-
I think I probably will ban bank transfers.
Though I still think an alternate mechanism should exist. I'll probably recommend https://monzo.com instead as direct transfers there require identity rather than just bank details.
The key point is being able to provide police with strong identity information if and when fraud occurs. Bank transfers, aside from denying all ability to be reversed, also hide identity as bank numbers say nothing about who the account is owned by, who committed the fraud.
At least with Monzo the identity is checked and the identity is used for Monzo > Monzo transfers.
Velocio
Yeah, that bothers me.
Are you really unable to use PayPal?
Even if you are a good guy, the problem with establishing bank transfer as being OK is that it creates a false basis for trust that the bad guys definitely will exploit.