A direct transfer is a type of bank-to-bank payment that moves money from one account to another. This is usually done online, but it can also be initiated over the phone or by physically visiting a bank branch. In most cases, these payments are initiated by the customer in response to an invoice sent by the business.

Delayed bank transfers can be caused by a number of factors, including global events, natural disasters, different currencies, missing paperwork, time differences, and many more.

You only need a sub for the online features like co-op summons, invasions, and player messages. The single player portion of the games are fully playable without PS+.