# Summary

The differences between the different payment modes are summarized in the table below:

Back mode Transfer mode
Backend completing the payment to the merchant Pledg Pledg
Method used to pay the merchant eCard Wire transfer
Technical transaction used to proceed the payment to the merchant Server to Server API Call to the PSP of the merchant Wire transfer order from the Pledg account to the Merchant account
Delay of payment Immediate ~ 1 to 3 days
Content of payment Exact amount of each order Sum of the successful orders of the day before, net of refunds.