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Payment intermediation is the mediation of payment for the purchase or sale of goods or services, or a similar financial transfer.
The Central Bank does not sell foreign currency to individuals and businesses - and sometimes you have to take old foreign banknotes to the issuing country to have them exchanged.
With payment cards and transfers, e.g. in online banking, it is possible to send payments for transactions so that they are transferred almost instantly or after a certain time has passed between the accounts of those involved in the transaction.