It's not clear to me from the article how this is supposed to work. My favourite payment system is still the Dutch iDeal: marchant creates a payment request, r

It's not clear to me from the article how this is supposed to work. My favourite payment system is still the Dutch iDeal: marchant creates a payment request, redirects the user to their own bank, the user uses thhe bank's authorization system to authorize the payment, informs the merchant that payment is successful, and then redirects the user back to the merchant who now knows the transaction is successful, without having to know anything about how the user paid.