What i literally do whenever i receive money from any p2p vendor is to transfer the funds to my other bank account so that there will be no case of reversing the transaction by the sender...
To be sincere wit u, I nor sure sey banks fit to reverse transactions wey go through like dat on their own. Dat wan go only fit happen wen transactions neva confirm as successful. But e still dey good to take extra precautions. Being care nor dey kill persin, na save e dey save persin.
Some vendors are even the ones orchestrating those failed transactions just so you can release coin if your not properly grounded of their activities on P2P, lots of them are just scammers.
E get something wey me notice wit d few merchants wey don try to scam me. D thing be sey once dem carry dat their wayo com, dem go just ignore ur chats. Dem go dey wait make time dey go to see whether u go panic release coin. Na ur patience dem wan try. Nor gree for dem oh. You too act like u don't care. Just send dem a crazy comment to show sey u sabi wetin dey and then screenshot am keep wey u go use as part of ur evidence for ur appeal. Simple.