I am very confused by this article. Is it trying to explain the equivalent of PayPal `PAYMENT.CAPTURE.COMPLETED` webhook? Also, why is this such a problem for A

I am very confused by this article. Is it trying to explain the equivalent of PayPal `PAYMENT.CAPTURE.COMPLETED` webhook? Also, why is this such a problem for Airbnb since they don't have to settle immediately (it's not like someone is withdrawing crypto). If the payment failed, Airbnb has probably ample time to revert the booking (as most bookings happens days if not weeks in advance).