surely FedNow will be a game changer but still it is 1 or 2 years away. And it will support account to account transactions. Need of credit would still be there :)
True, it kind of depends on your current payment processor configuration.
For example if you find yourself in the need of accepting too many payment methods, you'll definitely benefit from the difference in fees for each method across processors
It also depends on your business focus. If you do not have the bandwidth to think beyond your core business, you might just be well off with a single processor
It'll never happen, but I can dream.
https://www.frbservices.org/resources/fees/fednow-2023
hehe, Request for Payment (RFP) PAIN.013