There are two common ways to deliver from person to person:

In the first method, based on the successful PayPal method, users design their bank account or credit card information to transfer and receive funds, setting up a secure account with a trusted third-party vendor. Individuals can complete the process of sending or receiving funds using a third-party website or mobile application. Users are usually identified by their email address and anyone who can send funds to a member of the network.

In the second method, customers need to transfer using an online interface or mobile application (developed by their bank or financial institution) to determine the number of funds. Recipients are nominated by their email address or phone number. Once the transfer is initiated by the sender, the recipient receives a notification to use the online interface to input its account information and routing number for its investigation. In this method, the recipient does not need to have an account with the recipient’s financial institution to receive the money transfer.