# JPMC-PDP Documentation from https://developer.payments.jpmorgan.com

# Push to Wallet

Push to Wallet is a 24/7 payment rail that allows you to send payments to registered PayPal or Venmo users. PayPal notifies recipients when the money is available in their wallet.

> Push to Wallet currently has a general funds disbursement threshold of $60,000 USD per transaction. The threshold can be lowered to meet your risk tolerance level.
> 

## Benefits

Push to Wallet offers a fast, secure, and convinient way to spend payments:

- Reach: Access a network with millions of external wallet users, including recipients without bank accounts or those who prefer alternate payment methods.

- Speed: Recipients receive funds quickly.

- Ease of use: Simplify the payment process by using alias-based information, such as a mobile number or email address, to identify the recipient, removing the need to capture bank account or routing numbers.

## When to use Push to Wallet

### Insurance

Push to Wallet is a fast, easy method for insurers that want to offer consumers a seamless way to receive claim payouts.

### Gig economy services

Push to Wallet can be used to pay out wages for short-term engagements, temporary contracts and independent contracting.

### Telecom companies

Push to Wallet is a fast, easy method for telecom companies to pay out loyalty payments, promotions, refunds or carrier-switching rebates.

### Rebates

Easily and quickly initiate rebates to customers.

### Airlines

Make payments to recipients for lost baggage, employee compensation and more.

> Some use cases are subject to pre-approval by PayPal.
> 

## How Push to Wallet works

You can send payments through the Push to Wallet network to a beneficiary’s registered email address or phone number associated with their PayPal or Venmo wallet.

The following image illustrates a high-level overview of a typical Push to Wallet payment: 

![Push to Wallet payments flow](/api/download/en/docs/treasury/global-payments/capabilities/global-payments/push-to-wallet/overview-cf/p2w-payment-flow.png?type=image)

The following image illustrates an in-depth overview of a typical Push to Wallet payment: 

![Push to Wallet end-to-end payment flow](/api/download/en/docs/treasury/global-payments/capabilities/global-payments/push-to-wallet/overview-cf/end-to-end-p2w-flow3.jpg?type=image)

### Settlement

Push to Wallet uses a pre-funding model, requiring sufficient funds in your account when initiating a payment. If there are temporary holds, such as those applied when submitting an ACH file, your available balance for Push to Wallet payments is immediately reduced.

## Availability

The following table lists the region and market where Push to Wallet is supported by Global Payments API: 

 
**Push to Wallet availability**

| Regions | Market/scheme | 
| --- | --- | 
| North America (NA) | United States | 

## Related

- Understand [payment/creditor options](/docs/treasury/global-payments/capabilities/global-payments/push-to-wallet/resources).

- Understand required [payment parameters](/docs/treasury/global-payments/capabilities/global-payments/push-to-wallet/payment-parameters).

- Determine which [Purpose code](/docs/treasury/global-payments/capabilities/global-payments/push-to-wallet/resources#purpose-codes) is appropriate for your business use cases.

- Be aware of [warehoused transactions](/docs/treasury/global-payments/capabilities/global-payments/push-to-wallet/resources#backdated-and-futuredated-transactions).

## Next steps

Learn how to [initiate a Push to Wallet payment](/docs/treasury/global-payments/capabilities/global-payments/push-to-wallet/how-to/initiate-p2w-request).