I have the same question, while I use bank transfer, this way I verify with the data (ID and account number) the ownership.

Good afternoon, I need guidance on how to create ads and when the payments are made via mobile payment, how does one know if the account of the person to whom one is going to make the payment is the holder of that account and that the names match? When it is to other banks, or is it better to make payments only to people who have the same bank as oneself so that the name appears and one can ensure that both accounts belong to the same holder, thank you very much in advance.