Interac (in Canada) is trivially simple to use, and quick. 1. Send the payment through your logged in session at the bank or credit union, or via their respect

Interac (in Canada) is trivially simple to use, and quick. 1. Send the payment through your logged in session at the bank or credit union, or via their respective phone app. 2. Select the recipient, adding a new one if needed. They'll need a mobile # or email address. 3. Include the question and its one-word answer that the recipient has to answer to accept. 4. Hit send 5. Recipient is notified, follows the link, and answers the question. If they have it set up, it might be auto-deposited without the question/answer. It takes minutes, and doesn't ask the sender for the recipient's banking details.