u/Fun-Court-7286

I sold crypto on a P2P platform and received a payment via SEPA Instant. Later it turned out the payment was made from a third-party bank account (not the verified buyer).

The platform support flagged it as a third-party payment issue and instructed a refund back to the original sender account before the order can be cancelled.

Now I’m concerned about the risk of a bank recall / fraud claim after refund or even if crypto was released.

How realistic is the risk of a successful SEPA Instant recall or dispute in such cases?

Context:

• SEPA Instant transfer within EU
• third-party sender involved
• crypto NOT released yet
• refund requested via platform dispute process