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  • Introduction
  • Getting Started
    • Your Zum Rails Account
    • Developer Quickstart
  • Payments
    • Introduction
    • Payment Rails
    • Bank Payments
      • EFT
      • ACH
      • RTP/FedNow
    • Interac e-Transfer
      • Send & Request
      • Review Transactions
    • Card Payments
      • Visa Direct
      • Credit Card
      • Push-to-debit
  • User Tokenization
    • Zūm Connect
  • Invoices & Subscriptions
    • Overview
    • Products
    • Invoices
    • Subscriptions
  • Data Aggregation
    • Overview
    • Use Cases
    • Supported Institutions
    • Data
    • How it works
    • Testing
  • Insights
    • Overview
    • Income
    • Expenses
    • Insights
  • Brand Customization
    • Brand Customization
  • API Reference
    • Overview
    • Authentication
    • Users
    • Transactions
    • Funding Source
    • Products
    • Product Prices
    • Invoices
    • Subscriptions
    • Aggregation
    • Insights
    • Wallets
    • Operations
      • Transaction Limits
      • Review Transactions
      • Daily Auto-Withdrawal Summary
    • Webhooks
    • Errors
    • Idempotency
    • Country & Region Codes
  • Archived Documentation
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  • US Payment Methods
  • Canadian Payment Methods

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  1. Payments

Payment Rails

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

PreviousIntroductionNextBank Payments

Last updated 3 days ago

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US Payment Methods

Method
Description
Duration
Send Funds
Request Funds

Electronic funds transfer between banks

1-3 business days

Yes

Yes

Same-day electronic funds transfer between banks

1 business day

Yes

Yes

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

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

Electronic funds transfer between banks

3 times a day

Yes

Yes

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

Standard ACH
Same-day ACH
RTP/FedNow
EFT
Interac