What is Push-to-Card?
Push-to-card (also called card push or original credit transaction) is a method of sending funds directly to a recipient's debit card, typically within minutes. Instead of needing bank account details, you only need the card number. The funds appear in the cardholder's bank account linked to that debit card. Visa Direct and Mastercard Send are the major networks enabling push-to-card payments.
Why It Matters
Push-to-card solves the "last mile" problem of getting money to people quickly using credentials they already have. It's transforming gig economy payouts, insurance claims, loan disbursements, and any use case where recipients need immediate access to funds. Speed and recipient convenience drive adoption, though costs are higher than ACH.
Related Terms
Instant Payouts
Immediately disbursing funds to recipients rather than waiting for standard settlement.
Real-Time Payments (RTP)
A payment network enabling instant, irrevocable bank-to-bank transfers 24/7/365.
ACH Payment
An electronic bank-to-bank transfer through the Automated Clearing House network.
Payment Facilitator (PayFac)
A company that enables merchants to accept payments under its master merchant account.
Frequently Asked Questions
Typically within 30 minutes, often within seconds. Speed depends on the issuing bank. Visa Direct and Mastercard Send support real-time delivery to most US debit cards.
Typically $0.25-$1.00 per transaction plus a percentage. More expensive than ACH but less than wires. The speed and convenience often justify the cost.
Generally no for disbursements. Push-to-card typically works with debit cards only. Credit card pushes are treated differently and not widely supported for payouts.
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