Zelle is like this too. Though everything seems to be reversible in some way, not cause of disputes but because of unauthorized charges.

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ixwt 5 hours ago | parent [-]

I tried to pay a 3 figure sum of money for a service that was provided to me, and Zelle through my bank app refused to do the transaction. When I called my bank to understand what was going on, the person read me a script that said they can refuse any transaction, and don't have to tell me why.

The app even has a warning that Zelle is basically cash, and you really shouldn't expect any reversal.

	▲	mahboi 4 hours ago \| parent [-]
		Sounds about right. All these things are so iffy. I've had wire transfers get stuck. So I dug into Zelle reversals one time when a landlord stole my security deposit and I was considering reversing last month's rent until small claims figures it out. Banker said Zelle charges aren't normally reversible, but reluctantly admitted they are required to reverse the charge if it was unauthorized. Had I lied and said someone hacked my account, it may have been reversed, but then I'd be committing fraud. Cashier's checks too. Despite what everyone says, they are reversible under the right circumstances. TurboTax's refund processor did that to me because they thought my address was wrong or something.