# Double EFT after "not cleared" → refund needs two BBs (IA)

**Lesson (b102 MM4144-MARTIN-6):**
1. Client pays slow EFT (Capitec→FNB), told not cleared, pays again → double credit.
2. Always pull **both** BB/payment refs before refunding.
3. Capitec→Capitec is immediate; Capitec→FNB is not — explain lag, don't force second pay.
4. Never export client banking details into CRM/export twins.