Excellent summation by Pprune Pop - can I suggest, if you haven't already done so, that you email the questions direct to
[email protected]?
Just to add a bit of background information - I run a business which takes credit card payments and the money appears in our bank account the day after the transaction; I'm sure most payment providers run in a similar way. I stand to be corrected, but I've never come across a situation where the intermediate company would hold onto the money.