Electronic funds transfer

Electronic funds transfer (EFT) is the electronic exchange or transfer of money from one account to another, either within a single financial institution or across multiple institutions, through computer-based systems.
The term covers a number of different concepts:
Cardholder-initiated transactions, where a cardholder makes use of a payment card
Direct deposit payroll payments for a business to its employees, possibly via a payroll service bureau
Direct debit payments, sometimes called electronic checks, for which a business debits the consumer's bank accounts for payment for goods or services
Electronic bill pay

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