Interesting idea, but banks block this. My German bank until recently offered SEPA "instant" bank transfers, which make the cash appear on the receiver's end if

Interesting idea, but banks block this. My German bank until recently offered SEPA "instant" bank transfers, which make the cash appear on the receiver's end if both the sending and receiving bank support instant payments, for free. Recently they set the cost of instant payments to 1€ per transaction, without guarantees that it will complete as an instant transaction (depending on the receiver's side). Nobody will pay that money without the guarantee that the service bought is also rendered as such. On the web, waiting until the next clearing window completes, or the next bank business day, is not a payment option and has impact on the supply chain (when the merchant is confident enough to start the shipping process depends on if he has payment guarantee or not).