Disintermediating debit card networks by offering buyers the ability to push a payment directly from their bank deposit account to an ecommerce seller’s bank deposit account in real time is the business of Volt, a company formed 18 months ago by payment card industry executives. The opportunity to create a real-time payment system for retail and B2B transactions is growing concurrently with the global push for instant payments, sometimes called open banking. Both terms apply when talking about deposit account access and other data services that banks provide to nonbanks such as payment se...