> There's no real API (certainly within the USA) for using bank transfers and being told that a payment has completed As a consumer, I can just download the tr

> There's no real API (certainly within the USA) for using bank transfers and being told that a payment has completed As a consumer, I can just download the transaction list as CSV. There doesn't really need to be a standard API if it takes 5 minutes to map your bank's fields in your favorite scripting language. For business accounts, I'm presuming this will be similar, if not better because they would more frequently actually use it. Even including thorough testing, it should be a few hours of work, and for that you can save whatever cut third parties would otherwise take before it lands in your bank account, plus the consumer doesn't need to deal with fraud shenanigans that might trip incorrectly. > even worse, most of the bank transfers are far from instant Yes, I mentioned that as a downside and it really is one, but for anything but food delivery I'm quite likely to choose this option. The anti-fraud on other methods, as someone frequently working across borders and with uBlock and such installed, just makes it impossible or annoyingly hard to pay too often otherwise. Plus, I don't want to give paypal more money if that choice is available to me.