> Further, some cards do settle near immediately: https://usa.visa.com/run-your-business/visa-direct/small-bus https://usa.visa.com/run-your-business/visa-direc

> Further, some cards do settle near immediately: https://usa.visa.com/run-your-business/visa-direct/small-bus https://usa.visa.com/run-your-business/visa-direct/small-bus... I'd argue that isn't really "settlement" though. The funds do arrive (which is at least better than the status code), but they can still be clawed back for any number of reasons at that point.