Push-to-debit

Available only to US customers

Introduction

As a US customer, you can add a debit card as a funding source to fund and withdraw from the Züm wallet instantly.

How it works?

You can add a new debit card as a funding source using the portal. The following information is required when adding a debit card. The debit card information is not editable.

Contact Zum Rails Support to edit Debit Card information

• First Name (Mandatory)

• Last Name (Mandatory)

• Email (Optional)

• Debit Card Number (Mandatory)

• Expiry Month (Mandatory)

• Expiry Year (Mandatory)

• Address Line 1 (Mandatory)

• Address Line 2 (Optional)

• City (Mandatory)

• State (Mandatory)

• Zip Code (Mandatory)

• Country (Mandatory)

Transaction Types

• Withdraw Wallet Transaction

• Daily withdrawal to debit card (automated)

Processing Schedule

Push-to-debit transaction are instantaneous!

Debit Cards transaction events

• Transaction with type Accounts Payable

• Wallet withdrawn

• Response received from financial institution for transaction

• Transaction completed

Testing

To simulate an ACH failure, include an event name from the list above in the COMMENT field when creating a transaction. If you don't mention an event in the COMMENT, the transaction will change its status to "Completed" in the sandbox environment.

Simulating Success

{
  "ZumRailsType": "AccountPayable",
  "TransactionMethod": "DebitCard",
  "Amount": 123.45,
  "Memo": "This transaction will succeed",
  "Comment": "This transaction will succeed because there's no keyword",
  "UserId": "1d431e8b-...85452adb4eee",
  "WalletId": "8ebd932b-...b92633e14297"
}

Simulating Failure

{
  "ZumRailsType": "AccountPayable",
  "TransactionMethod": "DebitCard",
  "Amount": 123.45,
  "Memo": "This transaction will fail with event DebitCardFailedPaymentDeclined",
  "Comment": "DebitCardFailedPaymentDeclined",
  "UserId": "1d431e8b-...85452adb4eee",
  "WalletId": "8ebd932b-...b92633e14297"
}