Third party escrow, if you explicitly used one. There's no free lunch.

carlosjobim · 2026-02-10T22:27:05 1770762425

And now you have invented Visa and MasterCard again.

hirako2000 · 2026-02-11T04:34:22 1770784462

Rather a dissociated escrowing from payment processing.

When you go to your local restaurant, do groceries you are paying a few percentage in tax for using you card.

Platforms online already act as escrow anyway. PayPal, Stripe, act as escrow..yes they take a percentage, but that's more granted for these cases.

carlosjobim · 2026-02-11T12:25:02 1770812702

I'm confused by your comment.

PayPal and Stripe are the payment processors who are taxing the card usage and acting as escrow. The technology part of transactions is with Visa and MasterCard. Who will do that part for free if they are not to be involved? What would be the benefit of separating escrow and processing, and how would it realistically be done?