There was a technology that I started seeing about 10-15 years ago (I believe Paypal used it at some point) where bank payments happened "instantaneously" becau

There was a technology that I started seeing about 10-15 years ago (I believe Paypal used it at some point) where bank payments happened "instantaneously" because they were backed by a credit card on file. The bank settlement still took the same amount of time under the hood, but because the credit card acted as a backstop, there was an appearance of an instant payment. I was always surprised at how few merchants adopted this. Hopefully, FedNow will make it totally obsolete.