Originally Posted by
christianj
.... they can't show that they have gotten $13k of my money on this payment for 48 hours.
They can, and they do, but not in the way you expect because they allow time for you to cancel the transaction (if, for example, you realize you used the "wrong" payment account.) Read the message displayed after you make a payment:
Thank you!
Your confirmation number is Wnnnn.
Your payment of $27.98 has been received for your Platinum CardŽ -NN000 on Thu. Mar. 22, 2018
from A BANK USA, NA Personal Checking -NNNN. Your balance will be updated in 24-36 hours.
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You have the option to cancel this payment through 09:30am MST.
Limitations apply. Go to the FAQs.
When you return to the site you see this acknowledgement:
Your last payment of $27.98 was received on Thu Mar 22, 2018 and is being processed. Your balance will be updated in 24-36 hours. You currently have the option to cancel this payment.
In any event, you have merely authorized the payment. They do not yet have the funds.