# How do transfers work?

Last updated 1 year ago

Transfers occur between a source (where funds originate) and a destination (recipient of funds). The diagram below shows how funds flow from a source to destination on Moov’s platform.

Every Moov account will have associated payment methods. Payment methods can include:

- A Moov wallet  
- Bank accounts  
- Cards

Moov supports the following payment rails:

- ACH  
- Card acquiring  
- Instant payments (RTP, push & pull from card)

The payment method and rail used for each transfer will determine the speed at which the transfer settles. The image below shows a same-day ACH timeline based on a 4:15pm cutoff window.