Exactly. It often takes only minutes or even seconds from the time that a client pays to the time that the money is visible in my bank account. That's even the

Exactly. It often takes only minutes or even seconds from the time that a client pays to the time that the money is visible in my bank account. That's even the case for a transaction from another european country. Online shopping goes like this: you order a product on a company's website, you select your bank, this redirects you to your bank's website where you authenticate the transaction and click OK. No credit cards involved.