Chip Cards Funds Transfer NACHA 
Clearly Payments
MAY 22, 2025
Prepaid Card A card loaded with a specific amount of money. Gift Card A prepaid card often used at a specific retailer. ACH Bank-to-bank transfers, like direct deposit or bill pay. EFT (Electronic Funds Transfer) Same as ACH, used more often in Canada. EMV Chip technology on credit cards.
Fintech Labs Insights
OCTOBER 16, 2016
With increased competition in the P2P payments industry ( PayPal / Venmo ( FDNY 16 ), Square Cash, Zello), banks are feeling pressure to compete by offering faster delivery of funds. The partnership enables banks to offer funds-transfers a day sooner, or even same-day. Ready, set, ACH. Capital One integration with Amazon Echo.
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