[ErrantX]

Yes... That's much the point I was making.

But there is a lot more complexity than, I think, you are glossing over. For example, you also likely have at least one technical services partner in the flows, probably two.

Additionally, money often doesn't move in real time, especially when credit cards are involved. The process is, intentionally, split.

Your point on that is fair, but remember, many credit providers are also not banks, and the money is in a bank account owned by a third party. So, as a trivial example, I can't just assume money coming to me from Bank A is related to transactions from Bank A's cards.

A lot of people don't realise that the main way all of this works is through very large batch files with lists of transactions in moving back and forth between various parties behind the scenes.

(We are on semantic points, though, but I just wanted to clarify the complexity behind the scenes that most people don't see or understand)