Most of my credit cards will not update the balance immediately after I make a payment. It takes a day (sometimes more, depending on timing). Clearly batch processes are involved.
There's nothing wrong with batch processes. They are often easier to reason about than having a system where everything can change in real time.
Sometimes you want real time. Sometimes (many times) a daily batch is just fine.
Credit card processing does seem to be moving towards real-time. Lately I've found more and more merchants where I get a notification on my phone instantly after my Amex is swiped.
You can have delays for that purpose in real-time systems too. And they'd actually be consistent, instead of having variable lengths to cancel the transaction.
There's nothing wrong with batch processes. They are often easier to reason about than having a system where everything can change in real time.
Sometimes you want real time. Sometimes (many times) a daily batch is just fine.