[_cenw]

It sounds like you're about to reinvent Sofort, a (now defunct, or sold off at least) payment system that first worked on reverse engineered online banking and then PSD2 to mutually verify direct bank transfers.

[Abishek_Muthian]

Thanks for the information, Seems like Klarna the company which acquired Sofort and shut it down offers a similar service called "pay in full".