# Credit Transfer

A credit transfer or <mark style="color:red;">"push" payment</mark> is a transaction initiated by the sender of funds.&#x20;

<mark style="color:purple;">USER FLOW</mark>

1. Alice sends a request to Bank A “Pay Bank B $5 for the benefit of Bob”
2. Bank A verifies Alice’s identity and adequacy of Alice’s funds
3. Bank A notifies Bank B of the payment
4. Bank B verifies Bob has an account
5. Bank B sends confirmation to Bank A
6. Both banks send confirmation to their respective customers.

<figure><img src="/files/okdJmUqOXxr3WDngYAEw" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/xqQQm4qx2dDgRtUIqB3g" alt=""><figcaption></figcaption></figure>

ACH [credit transfers](https://en.wikipedia.org/wiki/Wire_transfer) are initiated by the payer and include payments such as: direct deposits, payrolls, retail payments and vendor payments.


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