A2A (Account-to-Account) refers to payments made directly from one bank account to another without relying on traditional card networks or intermediaries. These transactions move money straight between accounts, often via electronic transfer systems, and are commonly used in online banking and real-time payment schemes . Account-to-account payments can be domestic (such as ACH transfers or SEPA in Europe) or cross-border, and they typically offer lower fees and faster settlement compared to card processing. In payroll and B2B payments, A2A methods are increasingly popular for directly depositing salaries or supplier payments, enhancing efficiency and reducing reliance on checks or cash.
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