# Push to Card Push to Card is a 24/7 payment rail that lets you send funds in near real time from a XFT account to a beneficiary's eligible Visa, Mastercard, Amex 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. **When to use Push to Card** * **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. **Why use Push to Card** * **Consolidation:** A supplement to a payments agenda that lets you see everything from a single XFT 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. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.xft.finance/idn/push-to-card.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.