Topic

Payment Infrastructure

154 questions
Can companies place a memo-post on an account—via ACH or other means—before the actual funds arrive? Apr 6, 2014 Domestic Payment Rails, National Switches and Clearing Systems Can a non-bank institution move money from one person’s bank account to another person’s bank account? Apr 6, 2014 Domestic Payment Rails, National Switches and Clearing Systems Given today’s instant digital world, why can’t online bank payments be credited to the recipient immediately, and why do legacy rules still apply? Mar 12, 2014 Domestic Payment Rails, National Switches and Clearing Systems Are routing numbers and ABA numbers identical for both domestic and international banking? Mar 10, 2014 Domestic Payment Rails, National Switches and Clearing Systems How can I incorporate EFT functionality into my website? Feb 9, 2014 Domestic Payment Rails, National Switches and Clearing Systems Is there a U.S. bank or credit union that lets customers set automatic ACH limits for specific counterparties? Feb 6, 2014 Domestic Payment Rails, National Switches and Clearing Systems Which faster payment infrastructure did U.K. banks adopt to enable instant transactions? Jan 7, 2014 Domestic Payment Rails, National Switches and Clearing Systems Can I request my bank to reverse an ACH debit from a merchant who failed to provide the service? Jan 4, 2014 Domestic Payment Rails, National Switches and Clearing Systems Why don’t most countries offer real-time bank transfer processing? Jan 4, 2014 Domestic Payment Rails, National Switches and Clearing Systems Why aren’t real-time bank-transfer payments available within most countries? Jan 4, 2014 Domestic Payment Rails, National Switches and Clearing Systems If banks can verify routing instantly, why is a 7-day hold required for checks over $5k? Jan 2, 2014 Domestic Payment Rails, National Switches and Clearing Systems How can Dwolla persuade banks when banks earn more revenue from debit card transactions? Jan 2, 2014 Domestic Payment Rails, National Switches and Clearing Systems How could Dwolla persuade banks when debit card transactions are more profitable for them? Jan 2, 2014 Domestic Payment Rails, National Switches and Clearing Systems Is it possible to initiate an ACH pull from a PayPal balance the same way you can pull funds from a bank account? Dec 6, 2013 Domestic Payment Rails, National Switches and Clearing Systems How does an app enable transfers between two different bank accounts? Aug 11, 2013 Domestic Payment Rails, National Switches and Clearing Systems If online banking is widespread, why do checks still take a day to clear? Aug 10, 2013 Domestic Payment Rails, National Switches and Clearing Systems Which company or API can assist with enabling ACH deposits into mutual funds? Jul 6, 2013 Domestic Payment Rails, National Switches and Clearing Systems Which company or API can facilitate ACH deposits into mutual funds? Jul 6, 2013 Domestic Payment Rails, National Switches and Clearing Systems What happens if I mistype a recipient’s bank account number when transferring money online? Jun 10, 2013 Domestic Payment Rails, National Switches and Clearing Systems Economic Policy: Why might a country choose its own domestic card network instead of relying on Maestro/Mastercard or Visa? Jun 6, 2013 Domestic Payment Rails, National Switches and Clearing Systems Why would a country build its own card payment provider instead of using Visa/Mastercard/Maestro? Jun 6, 2013 Domestic Payment Rails, National Switches and Clearing Systems Which banks worldwide support Online Banking ePayments (OBeP)? May 9, 2013 Domestic Payment Rails, National Switches and Clearing Systems Which banks globally support Online Banking ePayments or direct account debit? May 9, 2013 Domestic Payment Rails, National Switches and Clearing Systems What is an efficient method for sending or receiving over $100,000 online in a single transfer? Mar 11, 2013 Domestic Payment Rails, National Switches and Clearing Systems Would banks invest in new payment rails if it allowed them to dominate digital payments like they dominate card networks? Mar 1, 2013 Domestic Payment Rails, National Switches and Clearing Systems How can commercial companies handle Check21 transactions on their own? Jan 3, 2013 Domestic Payment Rails, National Switches and Clearing Systems How can for-profit companies directly process Check21 transactions? Jan 3, 2013 Domestic Payment Rails, National Switches and Clearing Systems How can I accept online payments directly from bank accounts in a developing country without major card networks? Nov 11, 2012 Domestic Payment Rails, National Switches and Clearing Systems When PayPal verifies a bank account using ACH deposits and withdrawals, can they also view the account’s balance? Nov 3, 2012 Domestic Payment Rails, National Switches and Clearing Systems Why isn’t a Dwolla-style bank transfer system available in the UK? Oct 11, 2012 Domestic Payment Rails, National Switches and Clearing Systems How much time does Wells Fargo require to move funds between two different accounts? Sep 12, 2012 Domestic Payment Rails, National Switches and Clearing Systems Why are bank transfers and credit card payments not processed during weekends? Sep 4, 2012 Domestic Payment Rails, National Switches and Clearing Systems ACH: Is it possible to withdraw funds from a bank account using only the routing and account number, provided you have the customer’s authorization? Aug 11, 2012 Domestic Payment Rails, National Switches and Clearing Systems Where can I locate the bank-by-mail addresses for major U.S. banks without having to call each institution? Aug 10, 2012 Domestic Payment Rails, National Switches and Clearing Systems What is the central-bank-assigned Bank Code called in India, and where can I locate it? Aug 8, 2012 Domestic Payment Rails, National Switches and Clearing Systems What details must you provide to send an ACH money transfer? Jul 9, 2012 Domestic Payment Rails, National Switches and Clearing Systems What beneficiary details are required to send money using the ACH system? Jul 9, 2012 Domestic Payment Rails, National Switches and Clearing Systems Why is it not possible to electronically transfer funds between banks in the U.S.? Mar 3, 2012 Domestic Payment Rails, National Switches and Clearing Systems Why isn’t it possible to instantly transfer funds online between US bank accounts? Mar 3, 2012 Domestic Payment Rails, National Switches and Clearing Systems What’s the best way to send mass payouts? Feb 12, 2012 Domestic Payment Rails, National Switches and Clearing Systems What is the most efficient way to send mass or bulk payments? Feb 12, 2012 Domestic Payment Rails, National Switches and Clearing Systems What is NetPayment, and how does it differ from ACH? Feb 9, 2012 Domestic Payment Rails, National Switches and Clearing Systems What is the typical settlement period for ACH transactions? Feb 9, 2012 Domestic Payment Rails, National Switches and Clearing Systems How long do ACH transactions take to fully settle? Feb 9, 2012 Domestic Payment Rails, National Switches and Clearing Systems Which banks or service providers offer low-cost ACH payments for small businesses? Jan 9, 2012 Domestic Payment Rails, National Switches and Clearing Systems What banks or services offer affordable ACH payment options for small businesses? Jan 9, 2012 Domestic Payment Rails, National Switches and Clearing Systems How can you revoke a vendor’s ACH access to your checking account? Jan 8, 2012 Domestic Payment Rails, National Switches and Clearing Systems How can a business revoke a vendor’s ACH debit authorization from its bank account? Jan 8, 2012 Domestic Payment Rails, National Switches and Clearing Systems What are the standard procedures to reverse or dispute an ACH transaction? Jan 6, 2012 Domestic Payment Rails, National Switches and Clearing Systems What steps are required to reverse or dispute an ACH transaction? Jan 6, 2012 Domestic Payment Rails, National Switches and Clearing Systems