How A2A Payments Work - Full Episode | On The Wire

A grocery chain processing €80M annually pays €800K in card fees. With account-to-account payments, they'd pay €400K. That's €400K saved - every year. Most business leaders use A2A payments daily without realising it. Mobile banking transfers, direct deposits, bank transfers for invoices - all A2A. But most don't know the same technology works at checkout, enabling customers to pay directly from their bank accounts instead of using cards.This episode covers:How A2A payment initiation works across 7 methods QR code, NFC, payment link, text, barcode, BLE, and soundbiteThe payment flow from initiation to instant settlementWhy merchants pay 0.5% flat vs 0.8-2.5% card feesThe three infrastructure factors that made A2A practical for commerce nowReal adoption curves: what to expect in months 1-3, 6-12, and years 2-3How cards and A2A coexist - and what even 20% A2A adoption means for payment economicsFull source material and the complete guide: payware.eu/en/articles/how-a2a-payments-workProduced by payware - the transaction resolution network for instant A2A payments.AI-generated from payware's published research and documentation.