In Canada we have both the traditional direct debit (where you provide online or written authority to a company to deposit/withdraw directly), but also Interac

In Canada we have both the traditional direct debit (where you provide online or written authority to a company to deposit/withdraw directly), but also Interac Direct Payment, which I suppose is network similar to Maestro or Girocard, except all/most payments clear same-day, since it was an extension of the ATM network and PIN pads were installed across every merchant in the country. I believe the vast majority of retail transactions in Canada use Interact Direct Payment (over physical cash or credit cards). https://en.wikipedia.org/wiki/Interac https://en.wikipedia.org/wiki/Interac