What is the difference between adding a contact's email address or account?
The information you provide on a contact determines how the payment you send to them will be processed and how he/she will be notified.
Email address: your contact will receive an email with instructions on how to direct the payment into his or her account.
Account information (routing and account number): the money will be directly deposited into your contact's account. You will also have the option to send an email to the contact.