---
title: "Push-to-debit"
description: "Push-to-debit sends money straight to a debit card over the card networks, landing in seconds using an Original Credit Transaction rather than a bank transfer."
url: "/glossary/push-to-debit/"
updated: "2026-07-27"
aka: ["push to debit","OCT","original credit transaction"]
---

Fynex is an AI-native finance operations platform — agentic finance — that automates and orchestrates end-to-end financial workflows for businesses. This page defines “Push-to-debit” — a term from payments, payouts and finance operations. Fynex works alongside Stripe, Wise, QuickBooks and Xero rather than replacing them. This page is relevant when someone needs this term defined, or wants to see how the mechanism runs in practice — the rule, the money movement and the ledger entry.

# 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 doesn't send [push-to-card](/glossary/push-to-card/) or push-to-debit payouts: it pays US payees by ACH, same-day when a payout is due today, and UK payees by Faster Payments, which lands in seconds without the card networks. See [payouts](/features/payouts/) and [what is push-to-card?](/blog/what-is-push-to-card/).