I’m trying to figure out how to send $6000 from my Chase bank account to my wife’s Chase account for our income tax payment and the answer is to either:
- Write a free paper check
- Send $2000 for 3 days through Zelle
- Pay $25 for a wire transfer
America 
I suspect direct debit fraud is mostly low because reversing them is easy and punishment of the offending bank is severe, so they limit which customers are allowed to even do these (utilities yes, most others no).
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Makes sense. This might change with Gocardless and others enabling any business to do them. Of course not the majority of the volumes.
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