Person-to-Person Transfers (P2P)

Prev Next

The Paymentus Person-to-Person (P2P) solution enables bank customers or credit union members to electronically “Send Cash” from their banking account to anyone’s account at another financial institution — simply, securely, and promptly. 

With Paymentus, the P2P process is simple. A bank customer or credit union member provides the email or phone number of the person to whom they want to send money and the amount. 

The recipient is then notified by email or text message with instructions on how to accept the funds securely. 

Once completed, the funds are electronically transferred, and the transaction is complete. It’s simple, safe, and fast!

Sending a P2P Transfer

  1. Initiate the P2P transfer flow in Digital Banking by selecting P2P Payments under Services on the home dashboard.

    P2P Payments section highlighted, offering easy peer-to-peer transfer options.

  1. On the Send Money page that appears, in the To section, select the transfer recipient.
    Note: Go to Adding a New Recipient for instructions on how to add a new recipient.
    Interface for sending money, highlighting recipient selection and payment activity options.

  1. Enter the following information, then select Send.

    • Account from which the funds will be sent

    • Email/Mobile # (should pre-populate once the recipient is selected in the previous step)

    • Transfer amount

    • Security question & answer

      • Note: Requiring a security question is a setting that your institution can configure

    • Send date

    • Frequency

    • Indicate if an alert should be sent once funds are delivered

    • Personal message to the recipient (optional)
      Form to send money, including recipient details, amount, and personal message.


  1. Once the transfer is submitted, it will appear in the Scheduled section at the bottom of the screen.

    Scheduled payment of $100 to Test Debit2 on August 22, 2023.

Recipient Management

Adding a New Recipient

  1. From the Send Money page, select Add in the People section on the right.
    Interface for sending money, showing scheduled transactions and options to add recipients.

  1. Enter the new recipient's name and email or mobile number. Select Save.
    Form to add a person with fields for name and email address.

  1. The new recipient displays in the People section.
    Contact information for Darth Vader, including email and option to add more people.

Deleting an Existing Recipient

  1. Select the arrow next to an existing recipient.
    Contact information for Darth Vader, including email and option to add more people.

  1. Select Delete.

    Note: As called out in the red text, any edits made to the recipient information will be applied to future payments, but not to payments already in process.
    Recipient information for Darth Vader, including email and mobile phone details, with delete option.

Debit Card Management

Debit cards may be added to use as a source for sending funds. 

Adding a Debit Card

  1. From the Send Money page, select Add in the Customer Cards section on the right.
    Interface for sending money, highlighting customer cards and scheduled transactions.

  1. Enter the debit card details and select Save.
    Form to add a debit card with fields for card details and terms acceptance.

  2. The newly added debit card displays in the Customer Cards section.
    Interface for sending money, showing recipient and account selection options.


Deleting a Debit Card

  1. Select the arrow next to an existing debit card.
    Customer cards section displaying a test card with an option to add more cards.

  2. Select Delete.
    Customer card details with options to delete or update the information displayed.

Transaction History

To view past transactions sent via the P2P platform, Select the arrows next to the month/year to display the monthly history.

A complete history of P2P and Bill Pay transactions can be viewed in Payment Activity. 

Transaction history for July 2023 showing canceled and sent payments with totals.