What is a significant risk associated with using the "OUR" charging option?

The significant risk associated with using the "OUR" charging option lies in the potential for unknown fees at the time of payment. When the "OUR" option is selected, the sender of the payment agrees to cover all associated fees incurred by the transaction, thereby ensuring that the recipient receives the exact amount intended without any deductions.

However, the sender may not always have a complete understanding of what those total fees might be, particularly if the funds are transferred internationally or through multiple banks. Each intermediary in the payment chain may impose its own fees, which can vary widely and often go uncommunicated at the initiation of the transaction. Consequently, this can lead to surprises for the sender once the transaction settles and all fees are accounted for, creating uncertainty about the total cost of the payment.

Awareness of this risk is crucial for individuals and businesses engaging in cross-border transactions, as it encourages them to seek clarity on the fee structures before proceeding with the "OUR" option.