Let me clarify a few things. It may seem counterintuitive, but we don't need your credit card information to process a payment. You'll be redirected to your bank's app to complete the payment, which is more secure than simply inputting your credit card details. This might seem counterintuitive at first because anyone with your card details could make a payment. However, with 'pay by bank,' you'll be asked to authenticate the transaction using FaceID or whatever method you use with your banking app.
From the merchant's perspective, statistically, you're more protected from credit risk because an ACH transfer is more likely to go through than a card payment.
As for market positioning, we ideally want to partner with businesses that operate in a B2B model. We only facilitate payments from end users to merchants - it's a one-way flow. But to be honest, we're still figuring it out!