I'd imagine in a lot of cases the payment network doesn't know if you are moving your own money, or paying for something - the latter which could benefit Russia

I'd imagine in a lot of cases the payment network doesn't know if you are moving your own money, or paying for something - the latter which could benefit Russia or a Russian company. E.g. if was Russian and paying Google for Google docs for my Russia based business - I think that might be disallowed by the current sanctions? I suppose I'm trying to say - the payment providers see where the cash is going, but not what you are getting in return. Without that visibility it's hard to more selectively ban transactions.