The process for SEPA is called "sue them"/"press fraud charges".

Against who? An email and an IBAN number? For our B2C with relatively small charges it definitely wasn’t worth it. Even CC chargebacks we don’t bother to dispute because the process is painful and virtually impossible to win (banks side with their own customers typically)

The latter, mostly. And I was more referring to the existence of the dispute resolution process, not the viability for random low-value transactions.