Money transfer between bank account

[yorzi]

When I deposit money from users bank account using echeck, and I will finally recevice the money in my merchant's bank account, is that right? I don't need to transfer money to any middle "internal account" and then have to withdraw money from that middle internal account to final target merchant bank account, am I right? Thanks.

[RichardH]

I would recommend watching this video for details on how the payment card process works:

https://www.youtube.com/watch?v=9bm0b8pdKws