That's a good point, BTC doesn't have that figured out yet but I bet Stripe will be able to help figure that out! We handle that for ACH if you're interested.
Bitcoin does have the capability of "2 of 3" authorizations which can mitigate some of the upfront risk. The idea being that a payment only completes after 2 parties approve it, the 3rd being an independent 3rd party in this case (who could be configured to auto-approve if a complaint isn't filed in x days).
