# Payment Rails

## **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&#x26;token=0c8d20cd-82b9-4529-8e73-f7a35dcc9086" alt=""><figcaption></figcaption></figure>

| Method                                                                    | Description                                      | Duration          | Send Funds | Request Funds |
| ------------------------------------------------------------------------- | ------------------------------------------------ | ----------------- | ---------- | ------------- |
| [Standard ACH](https://docs.zumrails.com/payments/bank-payments/ach)      | Electronic funds transfer between banks          | 1-3 business days | Yes        | Yes           |
| [Same-day ACH](https://docs.zumrails.com/payments/bank-payments/ach)      | Same-day electronic funds transfer between banks | 1 business day    | Yes        | Yes           |
| [RTP/FedNow](https://docs.zumrails.com/payments/bank-payments/rtp-fednow) | 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="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&#x26;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="bank-payments/eft">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="interac-e-transfer">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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