RBI Grade B Officers 2017 jun Paper

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In this question a paragraph with a blank space indicated by (___) is given. The blank space stands for a sentence which fits contextually but is presently hidden. From the given alternatives, find the sentence which is the perfect fit in terms of grammar as well as context in the blank space of the paragraph.
  The payment mechanism is simple enough. Newcomers provide details of a credit card or bank account. These are verified with a nominal transaction. Thereafter, a buyer can e-mail a payment directly to a seller. This is immediately debited from the buyer’s credit card or bank account, and a credit is made to the seller’s ‘wallet’ account. Money to a wallet account can be withdrawn by cheque or transferred to a bank account. It can take several weeks for cheques to arrive in the post and for payments to clear, but online payments are made instantly. (___). It has improved the velocity of trade.
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