Why don’t retailers take payments from your account straight away?

Why in this day and age do petrol station and other retailers insist on letting you fill up and pay at the register yet wait 3 days to take the money? Does anybody know the answer?

This Monzo article explains how they work:

I asked a similar question a few months ago and got this answer:

Like you, I thought today in 2018 things would have been more instant!


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