Collecting means you initiate the pull: you debit a payer's bank account and move the funds into a Passport Account. It always requires authorization from the payer to debit their account.

Collect is the opposite of Pay (money out) and different from Transfer funds (moving money between accounts you own). Choose the rail that fits the amount and urgency.

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Collect via ACH

Standard electronic debit over the ACH network. Lower cost; funds are held for the good-funds period before they're final.

Collect via Wire

Same-day wire drawdown for high-value or time-sensitive collections. Business Customers only.

Inbound funds aren't final immediately
An ACH debit can be returned even after it settles. PCE holds inbound funds for a good-funds period — the transaction stays PROCESSING until the interval passes, then moves to COMPLETED. Don't treat collected funds as spendable until then. See Transaction lifecycle.

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See also