In what country does it have that option? Doesn't seem to be a thing in Australia as far as I can tell. But we do have multiple different ways of doing free (or

In what country does it have that option? Doesn't seem to be a thing in Australia as far as I can tell. But we do have multiple different ways of doing free (or free for the sender and very low cost for a merchant) payments and transfers, including real-time transfers to/from financial institutions... Given that it seems to be a similar case in Europe, UK etc. I assume this might just be a US thing?