# Payment rails

The settlement channel used for disbursements and repayments.

Product: PNSL API
Guides follow API reference 2.0.0 and event reference 1.0.0.
Canonical page: https://docs.axiym.io/pnsl-api/integration-guide/fundamentals/payment-rails

A payment rail is the channel Axiym uses to move funds with you: a banking
relationship or a blockchain network. Each credit account and each
settlement account belongs to one currency and one rail.

`GET /settings/payment-rails` lists the rail codes configured for your
integration.

## When to send `paymentRails`

* **One rail configured:** it is selected automatically; omit the field.
* **Several rails configured:** send the rail code on onboarding, funding,
  repayment, and transfer requests.

| Request                          | The rail selects                                          |
| -------------------------------- | --------------------------------------------------------- |
| Fund a payment                   | The client's credit account and the disbursement channel. |
| Repay a client from your balance | Which of your settlement accounts is debited.             |
| Transfer client balance          | Which of the client's settlement accounts is debited.     |