Digital disbursements are all types of electronic funds transfer (EFT) payments, including: • ACH bank transfers and global ACH • Wire transfers • Card payments • Wallet app money transfers like Venmo and PayPal Some mobile apps can only process types of digital disbursements using an email or phone number. A digital disbursement to a payee doesn’t use a paper check for payment.  Additionally, a digital disbursement via ACH can include one-time or recurring ACH transfer payments between bank accounts and direct deposit into a bank account.  The timing of money received depends on the payment method. With digital disbursements, receipt of the disbursement can vary from instant payment with eWallets, to the same/next business day with ACH or domestic wire transfer, to several days for an international wire transfer.