{
  "slug": "app-fraud-reimbursement",
  "title": "When the bank must refund the scam, what is proof of intent worth?",
  "summary": "Under mandatory reimbursement the victim authorised the payment, so no signature prevents the loss. The fight moves to evidence of what the customer was shown.",
  "lede": "Mandatory reimbursement changed the question British banks are answering. It is no longer only how to stop a scam payment, because the customer authorised it, but who absorbs the loss and on what evidence. This is an argument about the artifact that evidence should be, and an honest account of what it cannot do.",
  "date": "2026-09-22",
  "reading_time": "18 min read",
  "category": "Payments",
  "tags": [
    "APP fraud",
    "reimbursement",
    "Payment Systems Regulator",
    "scam warnings",
    "Confirmation of Payee",
    "payments"
  ],
  "image": "https://cdn.twc.sh/images/igcache/APP%20Fraud%20Reimbursement/1200_630/blog.jpg",
  "url": "/blog/app-fraud-reimbursement.html",
  "wordcount": 3954,
  "related": [
    "elder-fraud-second-signer",
    "callback-verification-fails",
    "payee-add-is-the-transaction"
  ],
  "schema": "Article"
}