Still it does not always work. On faux webshops you can be tricked into making a fund transfer, while you think you are paying for goods. This is a common scam as chargebacks do not work on fund transfers!

Actually following the papertrail and disconnecting the fund transfer shops for helping the scammers is not done, so they can go on with impunity.

How do you do a fund transfer without a bank account number?

The scammers put that in already. They just show you the auth form for the transfer in the page you expect to be a payment-for-goods authorization.

There is a papertrail, as i mentioned, but the CC ecosystem seems to be not too interested to kill it. They derive legitimacy off and make money off scams.

That's good to know, I wasn't aware of the difference! They told us we'd have flying cars but the future is just grifters hiding in every corner of the fucking world.