It certainly sounds like an actual factory in my experience
3,148 karma · joined March 20, 2019
Typically on the web you need to select your bank, get redirected to your bank's website with a pre-filled transfer you validate, approve 2FA on your phone app, and then the purchase gets confirmed only 1 or 2 business days later when the transfer gets received.
I see small businesses just give you their IBAN too, and you need to manually add it and make a transfer. Not seamless at all.
Google just takes months to roll out their models to everyone.