Pull Payment

What is Pull Payment?

A pull payment is a transaction where the merchant initiates the transfer of funds from the customer’s account. This is the standard model for credit card payments and recurring subscriptions.

In this model, the customer provides their payment details and gives the merchant permission to “pull” the money. It is highly convenient for automated billing but requires strong security to protect the customer’s sensitive data.

Why It Matters

• Enables seamless recurring billing and subscription-based business models

• Provides a convenient experience for customers who don’t want to manually pay each time

• Requires the merchant to handle and protect sensitive payment credentials

• Gives merchants more control over the timing of the payment collection