An email will be sent to the payee of the transaction. If you are sending money to a payee for the first time, the payee should open the email and complete the requested information, including bank account routing and account numbers as well as the keyword (provided by you). If the payee does not respond, they will receive a reminder email on the 3rd day and 6th day after you set them up as a payee. If the payee has not responded after 9 days, they are deleted as a payee and the payment is moved to a rejected status. You will have to begin the process again to send them funds.