why I asked this, a friend told me a scenario where they went drinking in a pub and the pub accepted mpesa payments, so the guyz drowned 5k worth of beer and paid by mpesa, only for the guy to reverse back afew minutes after leaving the establishment, and from that day, tha pub doesn't accept mpesa - so should this go on, then everyone will refuse these payments and we back to square one - not ideal.

I had an arguement with someone at safcon and they didn't see the point of having such controls - which to me is knowing that fraud can occur and not doing anything about it.

Question is, as a merchant selling goods online or even from a shop, would you agree to have mpesa payments knowing these facts?