Push payments

Push payment is a payment method where the customer starts and authorizes the transfer of funds to the merchant’s account. Common examples include bank transfers, wire transfers, ACH payments, and real-time payment systems. The customer controls the payment amount and the exact moment the funds are sent.

Push payments often cost less to process and may settle faster than card payments. However, they offer limited or no chargeback rights, which makes fraud recovery difficult for customers. For merchants, push payments lower fraud risk and remove chargeback exposure, but they can also reduce conversion because the flow has more friction and many customers prefer payment methods with buyer protection.