Funding instructions
Share your own account coordinates — ACH, wire, or Passport Payment ID — so a payer sends money to you.
Funding instructions are how you get paid into a Passport Account without initiating the movement yourself. You share your account's coordinates with a payer, and they push the funds to you.
This is the opposite of Collect, where you pull funds from a payer you're authorized to debit. With funding instructions, the payer initiates — you just share where to send and then track what arrives.
Choose how you'll be paid
Share your ACH account and routing numbers. The payer sends an ACH credit that arrives for matching and posting.
Share your wire account and routing numbers for high-value or same-day inbound transfers.
Share your Passport Payment ID so another Passport customer can send to you instantly by BOOK — no external rail.
How inbound money lands
- ACH and wire credits arrive from outside the platform on the routable details of your account. Each is recorded as an External Credit: auto-matched credits post automatically, while credits that can't be confidently matched wait for review before funds are applied.
- PPI (BOOK) transfers happen entirely inside PCE. There's no external rail and no matching step — the funds settle to your account instantly as a completed transaction.
Don't treat inbound funds as final too early
An ACH credit can arrive but still sit in review, and the sending bank may show it as "sent" before it posts to you. Wait until the credit is accepted and posted (or, for BOOK, the transaction is
COMPLETED) before treating funds as available. See External Credits and Transaction lifecycle.
See also
- External Credits — how inbound ACH and wire credits are matched, reviewed, and posted
- Collect — when you pull funds instead of waiting for a payer
- Account Lifecycle — confirm the account is
ACTIVEbefore you share its details
Updated about 15 hours ago