[herbst]

What kind of payment gateway are we even talking about? Are you describing "Sofort/Klarna"? I am not aware of any europe wide/international payment providers based on your bank account that does what you describe without basing on SWIFT and therefore being everything but realtime.

[Closi]

Well from the consumer side it seems to work pretty well, my bank (Monzo) has wise.com integration and it all works seamlessly.

But now we are specifically just talking about international payments where you explicitly don’t want any currency conversion or buyers protection, and the use case is just getting farcically narrow.