Originally Posted by notime

I see what you mean since there are many different ways, often reffered to as "direct debit", but all very different in use and possible chargebacks.

1) There is "take from the users account and hope there is money there and he won't charge back" (not so safe)
2) There are wires send from the client to you (always safe! But takes days to process)
3) There are wires to your billing company and later to you (nice but not efficient and costly and takes days to process also)
4) There is a way where the client initiates the payment by bank to you online & realtime (for many countries, not all) and it's chargeback free since the client initiated it, uses his secret codes and goes to his own banks website to do this payments and THEN comes back to your site (you'll get an instant report wether it's paid or not).
4b) Same but thru a 3rd party where the money goes in to the biller and they pay you instead of the client paying you direct and the biller bills you for just the services of the transactions.