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Re:Can the Visa-Mastercard duopoly be broken? by lxgr on Thursday August 18, 2022 @08:11AM (#32508476)
At least in Germany, the dispute process for bank account debits is literally clicking a single button in online banking.

No proof or even reason for this is required in the first 8 or so weeks since the charge (or more than a year if the debiting merchant does not have a "direct debit mandate", which essentially means some sort of evidence of the account holder agreeing to be debited).

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