yeah, this I don't get. Maybe the issue is that you don't want to implement SEPA yourself, so you go through a payment processor -- which may then have the same

yeah, this I don't get. Maybe the issue is that you don't want to implement SEPA yourself, so you go through a payment processor -- which may then have the same guidelines as MasterCard? SEPA flows typically have a more rough UX, maybe this would put off a lot of customers? They could also just piggy back off of SEPA and just do the bog standard thing of asking the customer to transfer x amount of money with the reference abcxyz. If the customer then uses instant transfer in their banking app, they get to immediately confirm the purchase. In case of Steam they could totally also just give immediate access and then revoke it if the payment doesn't happen within 36 hours.