Users include both buyers and sellers. Slow settlement and reversible transactions are a boon for buyers (and for fraudsters abusing chargebacks to get free st

Users include both buyers and sellers. Slow settlement and reversible transactions are a boon for buyers (and for fraudsters abusing chargebacks to get free stuff). For sellers they're a bit of a nightmare since you never know when money you thought you had been payed in good faith might disappear from your accounts with little or no recourse.