An eTransfer typically allows for entering a short message of
up to 400 chars. For a recent eTransfer, I found it important
to enter something to reference the billing statement that I am
paying for. My typical message was something like this:

This payment is for the "60-90 days" portion of the
statement dated 11/15/21.

But that triggered an error message:

"There appears to be an error! All errors must be corrected
before continuing."

Please enter a valid message. It must not exceed 400
characters and contain only letters, numbers, and the
characters . ! @ / ; : , ' = $ ^ ? * ( ). It must not
contain the words http:, https:, www., javascript,
function, return.

In this case it seemed that the quote char and the dash was not
on the allowed list. Now, I'm just wondering WHY would a quote
or dash char need to be treated differently and excluded from a
valid set?

Likewise, why would even a simple word like function or return
be a problem for a message block? When the system dedicates a
400 char block for a message, why can't the system simply treat
that content as a benign group of chars and ignore any
"functionality" implied with http: https: or www, etc?

Could there be hacking vectors that haven't been solved in the
eTransfer system?

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