[parasubvert]

In Canada we have both the traditional direct debit (where you provide online or written authority to a company to deposit/withdraw directly), but also Interac Direct Payment, which I suppose is network similar to Maestro or Girocard, except all/most payments clear same-day, since it was an extension of the ATM network and PIN pads were installed across every merchant in the country.

I believe the vast majority of retail transactions in Canada use Interact Direct Payment (over physical cash or credit cards).

https://en.wikipedia.org/wiki/Interac

[iamwithnail]

Cheers, that's really interesting!