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I'm curious about your point with respect to pay by bank buttons potentially enabling push payment fraud. By their nature, checkout based "pay by bank" buttons are set up to only send the funds to the merchant's account so the customer can't change where they go. 99% of the open banking based payment use cases I've seen have this "locked" destination built in (Yolt used to let you send money to anywhere). We need to find a way of recognising this safer use so that banks don't block the transactions - especially when it comes to higher value and in the face of the new proposed UK rules on reimbursement

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