# Push-to-debit

## 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.

{% hint style="info" %}
Contact Zum Rails Support to edit Debit Card information
{% endhint %}

* 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

{% hint style="info" %}
Push-to-debit transaction are instantaneous!
{% endhint %}

## 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* Wallet withdrawn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.

{% tabs %}
{% tab title="Simulating Success" %}

```json
{
  "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"
}
```

{% endtab %}

{% tab title="Simulating Failure" %}

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

{% endtab %}
{% endtabs %}