RussellMc wrote:

> Western Union provides an utterly watertight transfer. Once the money
> is sent it is NOT  recoverable via WU for any reason whatsoever. Wire
> transfers of Paypal (ach) or Credit card may have some comeback.

For the sake of clarity, there is a commonly used nomenclature (not sure
there is an ISO standard for that, though... :)

"Wire transfer" refers to a specific means of transferring money from
one bank to another. ACH transfers (USA term) are not wire transfers.
The normal account-to-account transfers as used in large parts of Europe
are not wire transfers. Payments by credit card, debit card or Paypal et
al are also not wire transfers.

(That in all of these transfers several pieces of wire are in fact
involved has no bearing on the commonly used nomenclature.)

AFAIK, wire transfer is as final as a payment via WU -- once sent, it's
gone, similar to cash payments. This is essentially different from
credit cards and institutions like Paypal that often provide some
consumer protection services.

Gerhard
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