Let's see they took you money for let's say your visa bill on Friday morning from you account and it takes 3 business days to get credited to your visa which will be let's see Tuesday next week. So it will be 11 days later on which the banks work with the money as they work internationaly. So do this with a couple of thousend payments and you make good money, not to mention that you acutaly might hit a couple of late payment fees because it did not reach in time for the cut off day...