Thanks for detailing. As always in IT, the actual, practical use-case is what makes the difference :). And yes! I've set-up webshops that work exactly this way

Thanks for detailing. As always in IT, the actual, practical use-case is what makes the difference :). And yes! I've set-up webshops that work exactly this way: both B2C, and B2B. I even encounter them regularly in NL, where iDeal is the norm and dead-easy to implement: e.g. yesterday when ordering special seeds for coming years vegetable-garden: "Please email us the product-numbers and quantities, the bank-account from where you send the money and your postal address" Having no PSP is always easier than the easiest PSP. Having no webshop is always easier than the simplest webshop. Apparently such businesses can get away with it. Or, more in y-combinator-speak: by far the leanest webshop is a simple email-inbox.