[jellicle]

Err, their explicit practice is to send through ALL purchases; that's sort of the point of milking the overdraft cow.

The person doing the reordering is exactly the same one setting the charges. The reordering is done to maximize profit.

"Bob, here are five transactions. You must process them all sequentially. No law regulates the order you must process them in. They were received in order A,B,C,D,E, however you need not process them in that order. Processing them in the order C,D,B,A,E maximizes the profit for us, your employer. What order should you process them in, Bob?"