1. Real-time transfer: the other party can receive the money after the online banking is submitted successfully and cannot cancel it.
2. Ordinary transfer: after submission, the payee will not receive the money immediately, but will generally receive it within 2-3 working days. Even if the other party does not receive the payment, it cannot be revoked.
Legal basis: "Measures for the Administration of RMB Bank Settlement Accounts" Article 40 If a unit pays more than 50,000 yuan from its bank settlement account to its personal bank settlement account, it shall provide the following payment basis to its bank: (1) salary agreement and payee list. (2) Award-winning certificate. (3) proof of the labor contract signed by the press, publication, performance organizer and other units with the payee or the payment to the individual. (4) Proof that the securities company, futures company, trust and investment company, lottery issuing or underwriting department paid or refunded the natural person. (5) Agreement on transfer of creditor's rights or property rights. (6) loan contract. (7) Certificate from the insurance company. (8) the certificate of the tax collection and management department. (nine) agricultural and sideline products and mineral products purchase and sale contracts. (10) Other legal fund certificates.