I am sure that she meant Express Entry payment. Based on several discussions with peers, I know that you have to pay with credit card.bellaluna said:Which one are you talking about?
The payment processes are different for paper-based and Express Entry. It's best to use a bank draft for the paper-based process. Online payments can only be done by credit card.
The fee receipt submission is usually for the RFPF, for paper-based, it depends on the local visa office's requirements, if they accept mailed receipt, emailed PDF, or even online payment.
For Express Entry, it's not required to send the receipt. The application isn't submitted until you pay at least the $550.
Anyway, debit is instant.
Credit card depends on when the payment is posted + bank processing. Mine was posted within 2 days.
Some tried to pay using a debit card and they got transactions failed.