P2P-transfers. What looks like a pattern of interaction?

Good time of day!
Trying to figure out how to implement the procedure of P2P transfers, after the customer clicks the Translate button/OK.
What links in the chain?
Plan to implement this service
July 2nd 19 at 14:08
1 answer
July 2nd 19 at 14:10
no sveni it's p2p
a direct transfer from one user to another
um, who is the initiator of sending money (or rather who goes to the Bank issued the card?). I understand the PC (processing center), and appeals to the IPU (international payment system) which in turn refers to the Bank issuing the card. Then the funds arrive to the Bank account of the acquirer PTS, and he, in turn, transfers them to the beneficiary Bank. - beulah_Johns commented on July 2nd 19 at 14:13
: the initiator user
if the Bank is the same then all will be inside the Bank you can say - Eulalia22 commented on July 2nd 19 at 14:16
if the Bank is the same then all will be inside the Bank you can say
It is logical, but the question is with the card of another Bank to the card of another Bank - beulah_Johns commented on July 2nd 19 at 14:19
: and what do you care , you in fact can do not influence and do not even know how the money goes - Eulalia22 commented on July 2nd 19 at 14:22
In my opinion this is the essence of my question, "how to move money". Maybe not exactly asked the primary question, but judging by our correspondence, we can conclude what was going on. - beulah_Johns commented on July 2nd 19 at 14:25
and to you for idle curiosity, it is easier to just read how there is any credit card payment is the usual in fact, the payment with credit card, this process is described in many places , we still need to be taken into account that the Bank may be one and the same and we have our own processing system in Russia, even to the same - Eulalia22 commented on July 2nd 19 at 14:28
I agree that the process is similar to the procedure of payment, but there is a difference.
The key is the percentage in the direction of MEAs. For payment give 1.5% for transfer of 0.8%. Plus in the scheme of transfer from card to card is missing the beneficiary Bank. (The scheme ends on the Bank aquiere) we Can assume that the Bank acquirer transfers funds to the beneficiary's Bank, but wanted to get specifics.
PS on the Internet explicit scheme p2p transfer/card2card is not described. - beulah_Johns commented on July 2nd 19 at 14:31
: what's the difference percentage? just when you pay also pay 3-5% for the transfer fee.
why would he suddenly was missing? The money will fall in the end, the beneficiary Bank. - Eulalia22 commented on July 2nd 19 at 14:34
: see normal payment is essentially the same thing - Eulalia22 commented on July 2nd 19 at 14:37

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