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

# Push to Card

Push to Card is a 24/7 payment rail that lets you send funds in near real time from a J.P. Morgan account to a beneficiary's eligible Visa or Mastercard debit card or reloadable prepaid card.  

A push payment is an original credit transaction (OCT). An OCT occurs when a business or an individual pushes, or sends, funds to a beneficiary’s 16-digit card number. It provides the beneficiary with access to the funds in 30 minutes or less.

## Benefits

- Consolidation: A supplement to a payments agenda that lets you see everything from a single J.P. Morgan account.

- Coverage: A nearly ubiquitous solution that lets you cater to those with Visa and Mastercard debit cards and reloadable prepaid cards.

- Speed: Typical fund availability for cardholders in near real time with a payment network service-level agreement of 30 minutes in supported markets.

- Ease of use: The ability to identify beneficiaries through a 16-digit card number and expiration date rather than lengthy bank account and routing numbers.

## When to use Push to Card

Push to Card supports a variety of Visa and Mastercard approved business-to-business and business-to-consumer use cases, including, but not limited to, the following examples:

### Insurance claims

Issue instant claim reimbursements, billing refunds, and annuity payouts to policyholders.

### Gig worker payments

Pay gig workers instantly without their sensitive banking details.

### Telecom promotions

Offer financial incentives that entice mobile users to switch from competitors’ phone plans.

### Government disbursements

Disburse government payments to beneficiaries, including Social Security, unemployment, and disability.

### Marketplace payouts

Send payouts to marketplace sellers’ debit cards.

### Airline payments

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

## How Push to Card works

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

![A high-level overview of a typical Push to Card payment](/api/download/en/docs/treasury/global-payments/capabilities/global-payments-2/push-to-card/overview-cfs/v2-high-level-overview.png?type=image)

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

![An in-depth overview of a typical Push to Card payment](/api/download/en/docs/treasury/global-payments/capabilities/global-payments-2/push-to-card/overview-cfs/v2-in-depth-overview.png?type=image)

## Availability

The following table contains the region and countries where Push to Card is available for Global Payments API initiation:

 
**Availability of Push to Card**

| Region | Country | 
| --- | --- | 
| North America (NA) | - Canada - United States | 

> 24/7 availability might differ by region and sender profile. For more information, contact your sales or account manager.
> 

> In Canada, Push to Card is only available for eligible Visa debit cards and reloadable prepaid cards. Additionally, some Canadian banks don't support fast funds, in which case it might take up to two business days for the funds to become available to the beneficiary.
> 

## Next steps

Learn about the [payment parameters](/docs/treasury/global-payments/capabilities/global-payments-2/push-to-card/payment-parameters) to initiate a Push to Card payment.