Visa has worked with U.S. issuers in recent years to create the capacity to accept the Original Credit Transaction (OCT) payment method, which allows for funds to be received and then posted to a debit card account within 30 minutes. This is referred to as “push-to-card payment.” Currently, 95% of Visa consumer debit cards in the U.S. are covered. OCT is integral to Visa Direct, a growing set of use cases for push-to-card payment. Person-to-person payment was the first consumer use case. Both Zelle and Venmo utilize Visa Direct to deliver money to recipients’ debit card accounts. This...