# Fiat and cards

Accept and pay out across cards and bank rails.

Cards and bank transfers carry most US commerce today. You choose the rail for each transaction and see the cost of each choice.

## Capabilities

- **Your rules**: Rules by card type, region, amount or time. Reviewable and reversible.
- **Debit network choice**: Send eligible debit to the network your rules pick.
- **Direct network connections**: The card networks and bank rails we connect to directly. New rails arrive without a new integration.
- **Network tokens**: Store tokens, not card numbers.
- **Bank payouts**: ACH, same-day ACH and instant bank rails, per account.
- **Payout cutoffs**: See the next settlement window before it closes.
- **Parallel run**: Compared against your current setup, payment by payment.

## Protocols and standards

Supports: Visa and Mastercard, EMV 3-D Secure, Network tokens, ACH and Same Day ACH, RTP, FedNow, Fedwire (ISO 20022)

## In a scenario

- [A marketplace paying sellers in dollars and stablecoins](/use-cases/marketplace-payouts/): Illustrative scenario.
- [A procurement agent buying from suppliers](/use-cases/procurement-agent/): Illustrative scenario.
- [A retailer taking control of card costs](/use-cases/retailer-card-costs/): Illustrative scenario.
- [An insurer paying claims on the fastest sensible rail](/use-cases/insurer-claims/): Illustrative scenario.
- [A software platform billing people and agents](/use-cases/software-platform-billing/): Illustrative scenario.

Related: [Rails](/product/rails/) · [Payouts](/product/payouts/) · [Switch](/switch/)