What if the login credentials are stolen with a keylogger, will the hackers be able to transfer the money the same way? It looks totally insecure. And as I und

What if the login credentials are stolen with a keylogger, will the hackers be able to transfer the money the same way? It looks totally insecure. And as I understand the customer cannot charge back the payment later. > IMHO we urgently need a law that makes wire transferees instant, Why not just use card processing systems like Visa? Are the fees too high or are there privacy concerns with sending personal data to USA?