&gt;In short, this solution from Stripe fills a niche, but it&#x27;s a very narrow one.<p>Not too sure about that. Klarna in Europe has a similar system called SOFORT in a lot of countries processing millions of transactions [0]. According to a german article, they processed 2.4 billion euros in 2013 [1]<p>iDEAL using a similar system (officially provided by banks though) is the most popular payment method in the Netherlands [2].<p>There is probably a big market for bank transfers with instant confirmation for the merchant. I agree with you though that it is a niche <i>in the US</i>, because credit cards are so common. Expansion in the EU would&#x27;ve probably allowed them to access a bigger potential market.<p>[0]: <a href="https:&#x2F;&#x2F;www.sofort.com&#x2F;eng-GB&#x2F;press-releases-sofort-gmbh&#x2F;press-releases&#x2F;SOFORT-Banking-still-in-the-fast-lane&#x2F;" rel="nofollow">https:&#x2F;&#x2F;www.sofort.com&#x2F;eng-GB&#x2F;press-releases-sofort-gmbh&#x2F;pre...</a><p>[1]: <a href="https:&#x2F;&#x2F;translate.google.de&#x2F;translate?hl=de&amp;sl=auto&amp;tl=en&amp;u=http%3A%2F%2Fwww.channelpartner.de%2Fa%2Fsofortueberweisung-erreicht-2-4-mrd-euro-transaktionsvolumen%2C3041650" rel="nofollow">https:&#x2F;&#x2F;translate.google.de&#x2F;translate?hl=de&amp;sl=auto&amp;tl=en&amp;u=...</a><p>[2]: <a href="https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;IDEAL" rel="nofollow">https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;IDEAL</a>