Collections is the treasury cash-management capability for pulling funds into your program accounts. 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.

This is built for businesses running treasury operations — payroll providers, lenders, financial institutions, property managers, and enterprise finance teams — not merchant checkout. It spans multiple rails: ACH and wire drawdown today, with more receivables methods (such as RTP/FedNow Request for Payment, lockbox, and check or cash deposits) over time. ACH is one method here, not the whole story.

Collections 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.

Choose a rail

See also

• Transaction lifecycle: statuses, tracking, and the good-funds period
• Recurring transactions: collect a fixed amount automatically on a schedule
• External Accounts & Contacts: save the payers you collect from as Contacts
• Transfer funds: fund a Passport Account from your own bank (a transfer, not a collection)
• Funding Rules: automatically split the funds you collect across multiple accounts