JP,

: bpay and internet banking are all reversible though, just like any
: bank transaction

This is incorrect for internet banking... not sure about BPay. 3 times since
providing exchange services I have had situations... once I paid the wrong
person, and twice I had fraudulent payments made to me via internet banking...
in Aus and NZ.

On none of these occasions was there any suggestion of reversing the payments
without the payee's consent. In fact I still have the 2 fraudulent payments
because I had already paid the gold... the bank took the rap.

Sidd.


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