Global Payments

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.

Tip

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.

Note

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: 

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

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

Understand payment/creditor options.
Understand required payment parameters.
Determine which Purpose code is appropriate for your business use cases.
Be aware of warehoused transactions.

Next steps

Learn how to initiate a Push to Wallet payment.