[TheOnly92]

The problem is in the end, you still need to move the money from the customer's bank to yours. That can happen either directly, or through an intermediary. If you have a direct relationship with the customer's bank, then all is well and dandy, but as a risky business you'd probably have a hard time doing this kind of direct relationship. The easier alternative is to find an intermediary bank that has connections to a lot of major banks. If you can actually find an intermediary bank willing to do business with you, i.e. open a corresponding account for your business, then you can pretty much accept payments. The trouble is if other banks find out that your intermediary bank is doing business with you, they might be able to force your intermediary bank to cut off that relation. I believe Bitfinex allegedly had that issue. So in the end, unless the customer is directly handing in cash to you, you're pretty much at someone's mercy, regardless of what channel the payment is performed in. If you want to setup a new credit card brand, better make sure the customer's bank is willing to send you the funds when its time for settlement.