Except that failure modes of ftp (technically not ftp-the-protocol itself, but what the server chooses to do with the file) is not well defined. What happens if the connection dies half way through? Is the partial file processed? None of it? Does the file get moved after the upload is done or after it has been fully processed? Does every single last company in this space's ftp site behave the same in the face of errors? Also is this literally ftp and not anything more recent that includes encryption, but if it includes encryption, what ciphers are supported? Nevermind the files may be in ebdic or something else wonderfully obscure...
(I also work in payments. Bank's SFTP sites have under-defined failure modes.)