We wouldn't even need these services if instant payments were the norm. I guess we have to thank the Visa and MasterCard lobbies for this to happen at least 10 years too late.
The real deal is the card payment networks that your plastic thing can use at a merchant's point of sale. All the rest is moot as we already have SEPA for e.g. online payments (it does have its issue for sure, but it's something).