Is the Value Ad Network Really a Single Intermediary?

In payments, there's a set of intermediaries that basically take the settlement from the payment company and then just sends out wire transactions to the merchants. So this intermediary is called the value ad network for ves ocredit card. But if its chides this vaste, like seconds of settlement, and then one % is of fees. It's te single intermediary that has no value in the payment stock. That's, that's fricking hilarious.