Trade · 6 pages · 12 min
A wire moves bank balances by a direct instruction, while a card payment authorizes a merchant and settles later.
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A wire is a bank-to-bank instruction to move a specified amount from one account toward another, usually with the payer's bank pushing the funds. A card payment is a message through a card network that authorizes a merchant, with the banks settling balances afterward. The opening covers wire pushes a bank credit, card authorizes then settles, and disputes follow different rules.
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