READING PATH / Curious readers & product teams

Follow the instruction and the funds

Distinguish a push from a pull, an instant request from a payment, and useful data from settled money.

5 GUIDES / ABOUT 17 MINUTES

The Marriner S. Eccles Federal Reserve Board Building. — Illustrative source photograph, not a current product interface. Dan Smith · CC BY-SA 2.5

Use the sequence as a reading plan, not a guarantee that an account, product or implementation is safe. The checkboxes record only what you mark on this page.

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3 MIN READ / SOURCE CHECKED

ACH credit or debit? Follow who starts it.

Name who starts the instruction.

Mark step 1 as read

3 MIN READ / SOURCE CHECKED

ACH or wire: ask about the whole journey.

Compare the complete transfer journey.

Mark step 2 as read

4 MIN READ / SOURCE CHECKED

A request for payment is a message, not the movement of money

Separate a request from the transfer it may trigger.

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4 MIN READ / SOURCE CHECKED

Use ISO 20022 remittance data to match invoices, not just move richer text

Connect payment data to the invoice.

Mark step 4 as read

3 MIN READ / SOURCE CHECKED

Three milestones that changed the payment clock.

Put today's rails in historical context.

Mark step 5 as read

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