NPP-ERR-200-REVERSAL banking assertion_error ai_generated partial

AI tells an Australian user that PayID payments are irreversible like bank transfers, ignoring the NPP's Osko scam protection reversal mechanism

ID: banking/payid-reversal-scam

Also available as: JSON · Markdown · 中文
75%Fix Rate
83%Confidence
1Evidence
2024-02-14First Seen

Version Compatibility

VersionStatusIntroducedDeprecatedNotes
NPP API v2.0 active — — —
Osko Scam Reversal Protocol 2024 active — — —
ePayments Code v3.2 active — — —

Root Cause

The New Payments Platform (NPP) in Australia provides a 'Scam Reversal' mechanism for PayID/Osko payments under the ePayments Code, allowing victims to request reversal within 7 days if the payment was made to a scammer, contradicting the common belief that PayID is irreversible.

generic

中文

澳大利亚的新支付平台（NPP）根据电子支付法典为PayID/Osko支付提供了'诈骗逆转'机制，允许受害者在7天内请求逆转，如果支付是向诈骗者进行的，这与PayID不可逆的普遍看法相矛盾。

Official Documentation

https://www.nppa.com.au/consumer-protection/

Workarounds

  1. 75% success Submit a scam reversal request to your bank within 7 days using the NPP's Scam Reversal Form. Example: `curl -X POST "https://api.nppa.com.au/v1/scam-reversal" -H "Authorization: Bearer <token>" -d '{"payment_id": "PAY123", "reason": "unauthorized", "amount": 5000, "currency": "AUD"}'` 
    Submit a scam reversal request to your bank within 7 days using the NPP's Scam Reversal Form. Example: `curl -X POST "https://api.nppa.com.au/v1/scam-reversal" -H "Authorization: Bearer <token>" -d '{"payment_id": "PAY123", "reason": "unauthorized", "amount": 5000, "currency": "AUD"}'`
  2. 68% success Call the bank's fraud hotline immediately and request a 'PayID recall' under the ePayments Code; provide transaction reference and scam evidence 
    Call the bank's fraud hotline immediately and request a 'PayID recall' under the ePayments Code; provide transaction reference and scam evidence
  3. 90% success Use the 'Confirm PayID Name' feature before sending to verify the recipient's identity; this prevents scams by displaying the account holder's name 
    Use the 'Confirm PayID Name' feature before sending to verify the recipient's identity; this prevents scams by displaying the account holder's name

中文步骤

  1. Submit a scam reversal request to your bank within 7 days using the NPP's Scam Reversal Form. Example: `curl -X POST "https://api.nppa.com.au/v1/scam-reversal" -H "Authorization: Bearer <token>" -d '{"payment_id": "PAY123", "reason": "unauthorized", "amount": 5000, "currency": "AUD"}'`
  2. Call the bank's fraud hotline immediately and request a 'PayID recall' under the ePayments Code; provide transaction reference and scam evidence
  3. Use the 'Confirm PayID Name' feature before sending to verify the recipient's identity; this prevents scams by displaying the account holder's name

Dead Ends

Common approaches that don't work:

  1. Contact the recipient directly to request a refund 95% fail

    Scammers ignore refund requests; the bank cannot force a refund without a formal reversal claim

  2. File a chargeback with the credit card provider 98% fail

    PayID payments are direct bank transfers, not credit card transactions; chargeback rules do not apply

  3. Wait for the payment to bounce back automatically 99% fail

    PayID payments settle in seconds; there is no automatic bounce-back mechanism for completed transactions