The Money Arrived. Then I Got a Chargeback.
On August 14, I had a 20,000,000 VND P2P order.
The payment arrived in my account.
I checked the amount. Everything looked normal.
So I released the crypto.
Done, right?
Not necessarily.
This is the part of P2P that I think is easy to underestimate. A payment can look completely real when it arrives and still become a problem later if the payment method allows the sender to reverse or dispute the transaction.
That's why “the money is in my bank account” is only one part of the check.
I'm also thinking about who sent it, how it was sent, and whether the payment matches the order.
If the buyer asks to use someone else's account, changes payment details halfway through, or suddenly asks to continue outside Binance, I would stop and verify instead of treating the successful transfer as the end of the story.
And I wouldn't delete anything after the trade either.
The Order ID, chat history, payment records and screenshots can become important if a payment is later reversed. Binance recommends documenting the transaction and using the official Appeal process if a chargeback or reversal happens.
The lesson for me isn't “never trust a payment.”
It's simpler than that:
A payment can be real and still not be final.
That's why P2P safety isn't just about checking whether the money arrived.
It's about checking the whole transaction before you release the crypto.
@Binance Vietnam
#BinanceP2PAnToan
If the money is already in your account, what would you check before releasing crypto?