Verse - Instant payments

[quote]I paid the wrong person!
When you send a payment on Verse, the funds are instantly sent. If you sent the payment to someone who has a Verse account, send them a request for an amount equal to your mistaken payment along with a note about why you are sending the request. As soon as they accept the request, the funds will automatically be added back to your Verse balance.

If the other user is not accepting your request, please contact us and we’ll do our best to help you get the situation straightened out.​ Verse Support cannot cancel the payment you made, we can only reverse the payment with permission from both parties.[/quote]

It uses the credit/debit cards to add money to the account. I’m not sure how much it is secure from chargebacks.