We're talking about a modern payment solution called Payout to xPay, which allows you to transfer money without needing the recipient's card or bank account details. It uses payment card tokens stored in digital wallets such as Apple Pay and Google Pay. The sender generates a payment link, which the recipient opens and selects a card in their xPay wallet to receive the funds. With tokenization, the actual card details are not shared, making the transaction more secure.

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https://developer.verestro.com/books/knowledge-center/page/payout-to-xpay