> 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/learn/flows/payments.md).

# Payments

Credit = push funds from bank account, send money to friend

Debit = pull funds out of bank account, subscription bill pay

***

RESOURCES

[Automated Clearing House](https://euro.ecom.cmu.edu/resources/elibrary/epay/Automated-Clearing-House.pdf)

[A Guide to the ATM and Debit Card Industry](https://www.kansascityfed.org/documents/6674/GuideATM_DebitCardIndustry_2003.pdf)

[BIS payment system architectures](https://www.bis.org/publ/work1259.pdf)

[JPMorgan Chase Payments Crash Course](https://www.chase.com/business/knowledge-center/start/a-crash-course-on-taking-the-mystery-out-of-payments)