是即时到账。
用花呗转账给对方，与普通转账并无区别，皆为实时到账。转账到支付宝账户是基于对交易对方的信任，通过支付宝自愿付款给对方的行为，转账到支付宝账户，属于即时到账转款。
温馨提示：即时到账的付款不是担保交易，付款后，资金将直接进入对方账户，无法退款，谨防诈骗。
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开通花呗收款的步骤如下：
1、在支付宝首页中，找到“收钱”选项，点击进入。
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2、在新页面中，下拉找到“商家服务”，然后点击打开。
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3、在商家服务中找到“花呗收钱”，点击打开。
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4、在新页面中，下拉找到并选择“同意协议并开通”即可。
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参考资料来源：/cshall.alipay.com/lab/help_detail.htm?help_id=212266"target="_blank"title="支付宝-什么是“转账到支付宝账户”？"支付宝-什么是“转账到支付宝账户”？
温馨提示：答案为网友推荐，仅供参考