Push to Card
Pay people in minutes—straight to their debit or credit card., and with a PayNote, the amount, destination card and release rules are locked up front.
https://test-bank.com
Initiate New TransferProvide the payment details and continue to review.
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Add a PayNote code to include additional payment instructions or references
Drag & drop PayNote file here
Supports .yml, .yaml, .json, .txt, .pdf
A PayNote defines a Push to Card payout. The amount, destination card (PAN or network token), and release condition are fixed up front; funds are reserved and, when the trigger is met, an OCT is sent over Visa Direct/Mastercard Send. If the trigger isn't met by the deadline, the PayNote auto-cancels and the hold is released.
- For banks: real-time, rule-based disbursements with 24/7/365 availability; no account/routing errors, fewer returns, and a signed audit trail per payout; ISO-20022-ready metadata and full AML traceability from reservation to OCT.
- For card processors: scheme-compliant Push to Card at scale with deterministic reconciliation from event to payout; fewer exceptions and support tickets, minimal dispute exposure for OCTs, and easy expansion to refunds, earnings, and insurance payouts using tokens or PANs.