Push-to-debit

Push-to-debit is paying someone by sending money directly to their debit card over the card networks — using an Original Credit Transaction (OCT) — so the funds land in seconds instead of waiting on a bank transfer.

How it works

• You hold the recipient’s debit-card number rather than their bank account details.
• The payout is “pushed” to the card as an OCT through Visa Direct or Mastercard Send.
• The money is available almost immediately, any day of the week.

It’s the mirror image of a normal card payment: a card purchase pulls money from a card, while push-to-debit pushes money onto it.

Why it matters

For gig workers, drivers and sellers, many people already have a card but not a bank account you can easily reach — so a card becomes the fastest way to get paid. Push-to-debit removes the standard-transfer wait, but it carries card-network fees, so it isn’t always the cheapest option. Sending everything this way trims your margin without anyone asking for the speed.

How Fynex does it

Fynex treats push-to-card and push-to-debit as one option among several and routes each payout to the cheapest suitable rail — instant card payouts where speed earns its keep, a lower-cost scheme where it doesn’t. See payouts and what is push-to-card?.