It is instant membership. Part of the terms are that you understand that the member has access immediately but that it is not guaranteed that you will be paid because the customer can still be declined for things like insufficient funds...and that process can take up to 2 or 3 days.
It seems to be the same thing as taking e-checks in the USA market which we already do using the same process, i.e. instant access for the customer...delayed payment if the transaction is approved after a few days.
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