Pavlo Makarov dan repost
Getting the status of user's wire transfer direct through an open API from the bank in real time is pretty promising. It is chipper and more efficient than credit cards (processing fee / fraud protection / chargeback) and more reliable then screen scraping. So if your cost of the monthly fee + the integration with PSD2 licence providers is higher than the Ramp Network fee, maybe it might make sense. But you will have one more middlemen (bank / PSD2 / ramp / your app) having the full overview of your customer's bank account activities. Otherwise it does't make much sense.