It's not that simple... Nobody just does someone a favor and simply returns the booking.
The networks only communicate with the merchants or their banks; the actual user has no contractual relationship with the networks. The networks provide the infrastructure, the banks use it, and you use the card issued by your bank.
You can easily put a stop to illegal providers and payment service providers by having the networks display the recipient bank on the credit card statement. This way, the bank remains hidden. If the bank is displayed, you immediately have a point of reference, instead of being routed through 374,293 million gateways with unclear recipients. If the merchant messes up, numerous customers will likely contact their bank, and banks only investigate to a certain extent.
The network is outdated; the payment process can be programmed at will, and that's the problem.
Bank -> PSP -> Customer not otherwise
And not GW1 - GW2 - GW3 - 4 redirect etc.
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