Points Pay · unified outbound rails

Points Pay: one payload, four rails.

Type a recipient, pick a rail (or let POINTS pick), and watch the routing decision land — current balance parked in Venmo / Zelle / Cash App / ACH, with the same operator trust scoring and dispute rules across all four. A demo, end-to-end — no real money moves.

One balance · four railsDemo · mocked outcomes

Points Pay · unified outbound rails

Points Pay unified outbound form
One payload, four rails — POINTS picks the right network per recipient.

Try @maya.ross · $lila · payments@acme-supply.example · venmo

Choose a rail

Mocked end-to-end — no real money moves.

Recent routes

Five most recent Points Pay routes
Mocked entries — Send again to prepend a row above these.
  • @maya.rossVenmo
    $45.00Aug 03, 2:52 PM
    delivered
  • ops@stripe-corp.exampleACH
    $12,400.00Aug 03, 1:09 PM
    processing
  • $lilaCash App
    $12.50Aug 03, 11:24 AM
    delivered
  • payments@acme-supply.exampleZelle
    $867.00Aug 03, 9:41 AM
    queued
  • unknown@recipient.exampleACH
    $94.00Aug 02, 10:18 PM
    rejected

How routing works

Four rails, one decision per send.
POINTS picks the rail that best matches the recipient and the operator's preferences — P2P-speed for personal handles, ACH for billers. New rails are added as licensed partner and FX corridors come online.

  • Venmo

    ~1 min
    free

    P2P-send to anyone with a Venmo handle — instant to debit, 1-3% on credit.

  • Zelle

    ~2 min
    free

    Bank-to-bank in minutes when both sides are Zelle-enrolled — typically free.

  • Cash App

    ~1 min
    free

    $cashtag P2P — instant and free from any linked Cash App balance.

  • ACH

    ~2 business days
    $0.25

    Bank-to-bank, no card networks, lowest cost — settles in 1-2 business days.

Coverage matches the platform's at-launch lineup: Venmo, Zelle, Cash App, and ACH — global remittance corridors fold in as licensed partners make FX pricing work.

What this demo is — and is not

  • Routing is deterministic. Recipient keywords pick a rail, most-recent rail wins ties, and ACH is the safe fallback — there's no live ML here.
  • Outcomes are local state. The Send button fabricates a status (delivered · queued · rejected) and prepends a row to the recent-routes list — nothing reaches a real rail or a DB.
  • The seed mirrors real rails. The explainer and the initial five rows line up with platform's at-launch coverage (Venmo, Zelle, Cash App, ACH) — feel free to extend the fixture as rail coverage grows.