We marry the the advantages of ACH (ubiquitous and affordable) and the advantages of credit cards (fast) and put them both in the same product. Our payment system is therefore fast, secure, and affordable.
Right now people are using credit cards, e-transfers, and checks. Credit cards tell retailers whether or not they are going to get paid for what they are selling. But in order to work, they require an asset-heavy and insecure process that costs merchants in the US alone $50 billion a year.
To the extent innovation has existed, it has been on top of existing credit card networks. Because of these innovations, credit card processing has become faster or more broadly available. But because innovations are on top of an obsolete network, credit card processing has also become more expensive.