ricardos12

Thank, this makes much more sense. But I doubt it will change since this flow is dependent on the country and the acquirer, for example there are countries where Visa processes all the Mastercard transactions, they can say they already allow for the x network example above to happen. This happens both ways between Visa and Mastercard.

I don’t understand what the desired outcome is for the FTC. These vaults are only accessible by Visa/Mastercard or the credential owners(issuer banks). At the moment of payment the flow is the same as any other transaction where it goes through either Visa/Mastercard/Amex depending on the brand. The fact is none one even knows the credentials in the transactions are tokens and not the real account number this includes the merchant, the merchant bank or any other intermediary like payment processors.

Are you using flutter for the web, how is your experience with its performance