[jhoon]

You're correct -- Stripe self-imposed the seven-day delay early in its development.

While we may have chosen the seven-day delay, there are still a number of real challenges in moving to a faster transfer schedule. For example, we need to make sure funds are received from our banking partners in time to transfer them to our users.

(I work at Stripe)

[praxeologist]

I don't see why Square can start the ball rolling the next day but you need anything near 7 days delay. I figured it was just a way to make more money.