Both companies already offer real-time payment services: Visa: https://developer.visa.com/capabilities/visa_direct https://developer.visa.com/capabilities/visa

Both companies already offer real-time payment services: Visa: https://developer.visa.com/capabilities/visa_direct https://developer.visa.com/capabilities/visa_direct Mastercard: https://www.mastercard.us/en-us/issuers/products-and-solutions/customer-needs/consumer-solutions/mastercardsend.html https://www.mastercard.us/en-us/issuers/products-and-solutio... According to https://www.forbes.com/sites/tomgroenfeldt/2019/03/15/visa-direct-is-the-engine-behind-zelle-and-venmo/ https://www.forbes.com/sites/tomgroenfeldt/2019/03/15/visa-d... >50% of Uber/Lyft drivers opt to pay a 50 cent fee to get paid in real-time instead of via ACH.