> For the complete documentation index, see [llms.txt](https://docs.zumrails.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.zumrails.com/payments/payment-rails.md).

# Payment Rails

This page outlines various payment methods available in the US and Canada.

## **US Payment Methods** 

<figure><img src="https://1258268478-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FKJSaSy1sLkMkigNL7ONH%2Fuploads%2FwmoeZ3aO4GktLredXljI%2FNew%20US%20Payment%20Rail%20Infographic-2.png?alt=media&amp;token=0c8d20cd-82b9-4529-8e73-f7a35dcc9086" alt=""><figcaption></figcaption></figure>

| Method                                                | Description                                      | Duration          | Send Funds | Request Funds |
| ----------------------------------------------------- | ------------------------------------------------ | ----------------- | ---------- | ------------- |
| [Standard ACH](/payments/bank-payments/ach.md)        | Electronic funds transfer between banks          | 1-3 business days | Yes        | Yes           |
| [Same-day ACH](/payments/bank-payments/ach.md)        | Same-day electronic funds transfer between banks | 1 business day    | Yes        | Yes           |
| [RTP/FedNow](/payments/bank-payments/rtp-fednow.md)   | Instant funds transfer to banks                  | Instant           | Yes        | No            |
| [Debit Card](/payments/card-payments/debit-card.md)   | Funds transfer through debit cards               | Instant           | Yes        | Yes           |
| [Credit Card](/payments/card-payments/credit-card.md) | Collect funds through credit cards               | Instant           | No         | Yes           |

{% hint style="warning" %}
For Standard and Same-day ACH debit transactions, additional hold times might apply depending on the risk.
{% endhint %}

## **Canadian Payment Methods**

<figure><img src="https://1258268478-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FKJSaSy1sLkMkigNL7ONH%2Fuploads%2F8P3pDv8IUXCux8kkHmth%2FNew%20Canadian%20Payment%20Rail%20Infographic.png?alt=media&amp;token=499c097f-5ab1-4f80-b47e-8a13e4991ec2" alt=""><figcaption></figcaption></figure>

<table><thead><tr><th width="111">Method</th><th width="240">Description</th><th width="142">Duration</th><th width="112">Send Funds</th><th>Request Funds</th></tr></thead><tbody><tr><td><a href="/payments/bank-payments/eft.md">EFT</a></td><td>Electronic funds transfer between banks</td><td>3 times a day</td><td>Yes</td><td>Yes</td></tr><tr><td><a href="/payments/interac-e-transfer.md">Interac</a></td><td>Online e-transfers, user receives an e-mail or SMS</td><td>Immediately</td><td>Yes</td><td>Yes</td></tr><tr><td><a href="/payments/card-payments/visa-direct.md">Visa Direct</a></td><td>Visa rails to send and pull funds directly to visa debit card</td><td>Immediately</td><td>Yes</td><td>Yes</td></tr><tr><td><a href="/payments/card-payments/credit-card.md">Credit Card</a></td><td>Credit Card payments/checkout to collect funds</td><td>Immediately</td><td>No</td><td>Yes</td></tr></tbody></table>


---

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