Come on Aaron. As someone who formerly ran a payments company, you know that going direct from a credit card to a bank account is not possible with today's banking infrastructure. Of course the funds go to their account. You know that, but you're clearly trying to prove a point here. Please, do it somewhere else.
Of course it's possible. Stripe could give its processor the routing and account number of its customer to deposit the funds in in place of its own routing and account number. This is why the Department of the Treasury distinguishes between payment processing companies and money transmitters.
By the way, I still run a payments company, and you should not assume that you know what I know (or don't).
