> 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

## **US Payment Methods** 

<figure><img src="/files/t4MADQNksjIywsGO0yez" 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                                          | Funds transfer through debit cards               | Instant           | Yes        | No            |
| Credit Card                                         | 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="/files/KquwlHYB5QUh7qZuYOL9" 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="/pages/N4lV9SIggOi0oqdO786u">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="/pages/48CC5uiEJgtRqLAoXQ7P">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>Visa Direct</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>Credit Card</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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