Payment Rails

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

US Payment Methods

Method	Description	Duration	Send Funds	Request Funds
Standard ACH	Electronic funds transfer between banks	1-3 business days	Yes	Yes
Same-day ACH	Same-day electronic funds transfer between banks	1 business day	Yes	Yes
RTP/FedNow	Instant funds transfer to banks	Instant	Yes	No
Debit Card	Funds transfer through debit cards	Instant	Yes	Yes
Credit Card	Collect funds through credit cards	Instant	No	Yes

For Standard and Same-day ACH debit transactions, additional hold times might apply depending on the risk.

Canadian Payment Methods

Method	Description	Duration	Send Funds	Request Funds
EFT	Electronic funds transfer between banks	3 times a day	Yes	Yes
Interac	Online e-transfers, user receives an e-mail or SMS	Immediately	Yes	Yes
Visa Direct	Visa rails to send and pull funds directly to visa debit card	Immediately	Yes	Yes
Credit Card	Credit Card payments/checkout to collect funds	Immediately	No	Yes