> For the complete documentation index, see [llms.txt](https://docs.xft.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.xft.finance/idn/push-to-card.md).

# 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.