> Also in Australia the same applies.  I have had fraudulent payments sent 
> to me via the online banking system  and there is no question of 
> returning funds paid that way.

Perhaps it's lack of nutrition today that is causing my inability to understand 
clearly what is being said here by Sidd and Michael. Perhaps they can answer these 
questions...

Q. If you are sent funds via online banking (including BPay for Australia), can those 
funds be reversed, and if so, how long after the transaction has taken place does the 
power to reverse exist?

Q. If funds sent to you via online banking (including BPay for Australia) are later 
found to have come courtesy of some kind of criminal activity, does the bank take the 
money back from you, or do they eat the cost themselves? (Naturally I don't care about 
to poor schmuck who was robbed, I care about the merchant)

Answers to these questions from Sidd, Michael and any other ANZEAs based on their 
experience will put an end to my curiosity.

----

Aggh! Damn, Sidd sent a message just as I was about to send this message, which makes 
this message basically redundant now. Perhaps an Aussie can give his reply though 
based on first hand experience.

(Damn people who beat me to the punch)

Oh, ANZEA is something I just made up - (Australian / New Zealand Exchange Agent)

BRYAN
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