Adding funds allows customers to bring money into their accounts from external sources. These inflows are recorded as credits, increasing the available balance for transactions.

PCE supports multiple ways to add funds, depending on how the money is initiated — whether by the customer, your system, or an external sender. This flexibility enables you to support a wide range of use cases, from bank transfers to check deposits.

Types of Credit Flows

At a high level, funds can be added to an account through the following types of credit flows:

Initiate fund deposits

Funds are added by initiating deposits through supported payment methods from your platform.

Mobile Check Deposits: Deposit checks digitally by capturing images using a mobile device.
Lockbox Deposits: Process physical checks received via mail and deposited through a lockbox service.
Pull funds via ACH: Also known as ACH Direct Debits, this method allows you to initiate a debit from a customer’s external bank account to add funds to their account.
Pull funds via WIRE: Also known as WIRE Direct Debits, this method allows you to initiate a debit from a customer’s external bank account to add funds to their account.

Receive external transfers

Funds are pushed into the account from external bank accounts using routable account details. These transfers are initiated outside your platform by third parties such as customers, employers, or other financial institutions.

ACH Credits: Funds transferred via ACH using account and routing details.
Wire Credits:: Funds transferred via wire using wire routing and account details.

These methods are commonly used for salary deposits, business payouts, or one-time bank transfers.

Refer to Direct Transfers to learn how to gather account details and share them with external users for receiving funds.