How "send money" branches in the US market. Choosing a recipient routes into one of four rails — P2P (email/phone), external bank (ACH), instant (RTP/FedNow), or between own accounts — each with rail-appropriate steps.
1 · Who to pay
9:41
Send to
Name, email, phone
Add someone new
Saved
My accounts
2 · How to pay
9:41
Send method
To a personEmail or phone
A bank accountACH or instant
My own account
Branches by recipient type
Routes to one of:
A · P2P recipient
9:41
Pay a person
Email or phone
They're already on Harbor
Enrolled → instant. Not enrolled → invite to claim.First-time payee step-up code