I'm not sure on why it takes 3-4 banking days for the funds to reflect on the account? I think 24-48 hrs is enough to process everything already. What's the excuse? Money goes to federal reserve or intermediary bank, reason why it took long before blah blah. Have you ever thought of what if your clients badly needed that fund (emergency)? Why CAN'T you be more efficient like them? Faster Transaction. You keep on saying Merchants to Consumer all that **bleep**, but what about your DELIVERY? CHANGE THE PROCESS
