I'm not sure how that works on the continent for transfers, but with cards or PayPal the chargeback/dispute policies are usually pretty clear. Basically, the me

I'm not sure how that works on the continent for transfers, but with cards or PayPal the chargeback/dispute policies are usually pretty clear. Basically, the merchant is always wrong for even being in the neighborhood of a disputed transaction. If you don't have a signed delivery confirmation for your card-not-present transaction, you're out of luck.