[pcooney10]

Do you think they're running loads of security tests all the while or something? I'd imagine a majority (if not all) of the checks are done up front- especially given it's 2015.

Pretty sure they get a nice bump on their balance sheet for cash "in-transit" - and keeping the timeframe to 3-5 business days only magnifies that effect.

[tomlongson]

It's not about balance sheets, it's about having time to cope with any unexpected problems with the transaction, like fraud.

It's frustrating, and ideally not necessary, but it's essentially a safety net for the middle party.