How can users pay with Alipay and WeChat directly to the merchant's bank card?

How can the user pay with Alipay and WeChat directly to the merchant’s bank card?
This function seems impossible to implement, but some companies have indeed done it, and I have also tested it.

The process is as follows: The other party gave me a QR code to collect money, and then I paid using WeChat. After the payment was completed, the other party received a text message directly reminding: Such-and-such bank has received payment * yuan. (It takes less than half a minute from the time I pay to the other party receiving the SMS reminder)

How is this done?

My idea: After the user completes the WeChat payment, WeChat will directly transfer the money to a company's corporate bank account, and then the corporate bank account will directly transfer the money to the merchant's bank card.

There is a question about this idea: How does WeChat or Alipay payment go directly to the company's account.