It has nothing to do with merchants. We need payment methods which are fast, cheap and reliable so machines can do it with a third party and without humans.

You are referring to payment from a human. In the chain between you and the merchant are at least 4 parties:

Your bank, credit card issuer, clearing centre, bank of the merchant. 

In the future, you could pay directly without all these parties between making it faster and cheaper.


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AM