I am in Europe and I would not trust that SEPA transfers are irreversible at all. There are cases every few weeks in the German subforum that support this claim. Even if they are irreversible, your bank account still will get locked up sooner or later as soon as someone sends you money from a phished account.
Agreed. SEPA and ACH =/= SWIFT. I've also been led to believe OKPay has a high "money hardness" (see the first page of my slides here:
https://github.com/AdamISZ/multisig_lspnr/raw/master/Paysty.pdf). I'd love to hear more anecdotal evidence if anyone has it.