Not all payment methods carry the same risk
Bank transfer, mobile money and instant rails behave differently when something goes wrong. Which risk you are taking, and how to price it.
Reversibility is the whole question
The only characteristic that really matters is whether the payment can be pulled back after you have released. Everything else is convenience.
A payment that can be reversed transfers the risk to you at the exact moment you let go of the crypto, and no amount of politeness in the chat changes that.
Roughly how they rank
This differs by country, so treat it as a starting point rather than a ruling.
- Mobile money: fast, generally final, name usually visible. Main risk is releasing on a mismatched name.
- Instant bank transfer: fast and usually final, but reversal processes exist in some markets and are occasionally abused.
- Third party or unfamiliar rails: highest risk, because you cannot verify who actually paid and disputes are hardest to evidence.
Price the risk, or refuse it
A method that is more likely to be reversed is more expensive to accept, whether or not you charge for it. You either decline it, or you price it accordingly and accept that some proportion will go wrong.
What does not work is accepting everything at the same rate and treating each loss as bad luck.