Push to Card
J.P. Morgan Push to Card (P2C) is a 24/7 payment rail that enables you to send funds to an eligible recipient’s debit or reloadable prepaid Visa or Mastercard. Recipients have access to funds in near real-time with a network maximum time of 30 minutes. Push to Card also has a funds disbursement threshold of $125,000 per transaction. For money transfer use cases, the threshold limit is $50,000 per transaction.
Benefits
Additional Push to Card benefits include:
- Coverage: This form of payment offers a nearly-ubiquitous footprint for consumers with a Visa or Mastercard-branded debit or reloadable prepaid card.
- Ease of Use: There is no need to search for bank account or routing numbers as you can use the 16-digit debit card number and expiration date from your digital or physical wallet.
- Speed: Funds are available in near-real time (30 minutes network SLA, but typically received in about 30 seconds).
- J.P. Morgan differentiator: Clients can fund and reconcile from the same account(s) used for other payment types.
When to use Push to Card
Push to Card supports a variety of payment brand approved Business to Consumer and Business to Business use cases. Some examples include:
Insurance claims
Push to Card is a fast, easy method for insurers that want to offer consumers a seamless way to receive claim payments.
Gig economy services
Ride share companies can use Push to Card as point of differentiation to attract and retain workers.
Telecom companies
Push to Card is a fast, easy method for telecoms that want to offer consumers financial incentives to switch from a competitor.
Government disbursements
Merchants can use Push to Card to disburse government payments including social security payments, unemployment, disability, and more.
Marketplace payouts
Marketplaces can use Push to Card as an easy method for sellers to receive funds.
Airline payments
Make payments to recipients for lost baggage, employee compensation and more.
How Push to Card works
Push payments occur when an individual or a business sends (pushes) funds to a recipient’s card account. This is referred to as an Original Credit Transaction (OCT). OCTs provide real-time posting and immediate credit (within 30 minutes maximum) to the cardholder, and funds on the card can be used like cash.
The following diagram depicts the high-level end-to-end payment flow:
Availability
Push to Card is available on the Global Payments API in the following regions and markets:
| Regions | Market/Scheme |
|---|---|
| North America (WHEM) |
|
Next steps
- Learn how to initiate a Push to Card payment.
- Understand required payment parameters.