The difference comes from experience with banks versus experience with credit cards. These are very different in terms of implementation. Companies like Stripe

The difference comes from experience with banks versus experience with credit cards. These are very different in terms of implementation. Companies like Stripe initially focused entirely on inserting themselves into the Credit Card ecosystem. Banks are inherently slower to innovate and process because they are financially motivated to hold your money and collect interest by being slow. If you want to move money fast between banks, you will pay for that right with high transaction costs. Credit card companies, on the flip slide, are incentivized to go faster because they make money through transaction volume. They want you to use the credit card more often so they can collect tiny fees on every transaction. Payment companies typically focus on the credit cards first since frankly they are way easier to work with. They want to move money and they are happy to help with that process.