Abstract: Methods, systems, and apparatuses for combined electronic payment and transfer for digital banking channels are described. The described embodiments provide a user-facing system for sending money from one account to another account over any one of multiple money movement rails. The embodiments simplify traditional money movement processes, by presenting the user with certain selectable characteristics for the transaction, and then automatically selecting an appropriate money movement rail in the background. The result is a simplified and more intuitive user experience for money movement transactions.