My bank charges 20DKK (~$3) for a SEPA transaction. I'd be really interested if you could show me a Danish bank that offers free SEPA transfers. As for dispute

My bank charges 20DKK (~$3) for a SEPA transaction. I'd be really interested if you could show me a Danish bank that offers free SEPA transfers. As for dispute resolution, I think it would be appropriate for this to be a third protocol layer -- on top of VISA-style clearing. I see no reason the clearing layer should handle this as well (and incorporating it into the Bitcoin layer would be true insanity, in my opinion). Nor do I see a reason it should be difficult. Costly, perhaps, but it's a simple matter of finding a mutually trusted third party, who won't release funds to the merchant until the consumer has received the goods.