There's absolutely no risk. It's a real-time transfer of someone's money out of his or her bank account to pay for the purchase. All the people involved in the transaction are paid immediately. If the money is not available in the customer's bank account, the transaction is declined. The moment it's approved, that money is out of your bank account travelling to whomever is to be paid for the transaction. So there's actually no risk. You cannot compare it to a credit card transaction at all.
