[{"data":1,"prerenderedAt":244},["ShallowReactive",2],{"content-\u002Fchangelog\u002F2026-02-18-ach-rtp-us-launch-and-bank-account-rules":3},{"id":4,"title":5,"author":6,"body":7,"categories":6,"category":223,"categoryType":224,"date":225,"description":226,"extension":227,"faq":6,"howto":6,"isBlog":228,"isChangelog":229,"meta":230,"navigation":229,"path":239,"rawbody":240,"seo":241,"stem":242,"thumbnail":6,"__hash__":243},"content\u002Fchangelog\u002F2026-02-18-ach-rtp-us-launch-and-bank-account-rules.md","ACH and RTP Payouts in the US — New Banking Partner",null,{"type":8,"value":9,"toc":206},"minimark",[10,19,22,27,66,70,75,99,103,118,122,129,133,148,152,163,167,181,185,196,200],[11,12,13,14,18],"p",{},"We're launching ",[15,16,17],"strong",{},"ACH and RTP payouts in the US"," with a new banking partner — no Virtual Accounts needed.",[11,20,21],{},"All ACH and RTP bank accounts have been deprecated. New fields and rules apply to bank account creation for both ACH and RTP.",[23,24,26],"h2",{"id":25},"tldr","TL;DR",[28,29,30,34,37,45,52,59],"ul",{},[31,32,33],"li",{},"ACH and RTP payouts now available in the US with a new banking partner (no Virtual Accounts)",[31,35,36],{},"All existing ACH and RTP bank accounts are deprecated — new accounts must be created with the new rules",[31,38,39,40,44],{},"Business customers require ",[41,42,43],"code",{},"business_industry"," (NAICS code)",[31,46,47,48,51],{},"Individual customers require local ",[41,49,50],{},"tax_id"," (e.g. CPF for Brazil, SSN for US)",[31,53,54,55,58],{},"ACH and RTP payouts are capped at ",[15,56,57],{},"$50K"," for now",[31,60,61,62,65],{},"All USD payouts will go to ",[15,63,64],{},"compliance_reviewing"," for manual review during the first few days",[23,67,69],{"id":68},"rules-you-need-to-know","Rules you need to know",[71,72,74],"h3",{"id":73},"customer-level-rules","Customer-level rules",[28,76,77,86],{},[31,78,79,82,83,85],{},[15,80,81],{},"Business customers:"," You must add ",[41,84,43],{}," (NAICS code) when the customer is a business.",[31,87,88,91,92,94,95,98],{},[15,89,90],{},"Individual customers:"," You must set ",[41,93,50],{}," to the ",[15,96,97],{},"local"," tax ID for the beneficiary's country (e.g. CPF for Brazil, SSN for the US). The system validates and formats it per country where required.",[71,100,102],{"id":101},"payout-limits-and-status","Payout limits and status",[28,104,105,112],{},[31,106,107,108,111],{},"All ACH and RTP payouts are ",[15,109,110],{},"capped at $50K"," for now.",[31,113,114,115,117],{},"All USD payouts will be pushed to ",[15,116,64],{}," status so our team can manually review them for the first few days.",[23,119,121],{"id":120},"bank-account-creation-new-fields-and-rules","Bank account creation — New fields and rules",[11,123,124,125,128],{},"These rules apply to ",[15,126,127],{},"both ACH and RTP"," bank account creation.",[71,130,132],{"id":131},"business-accounts","Business accounts",[28,134,135],{},[31,136,137,139,140,143,144,147],{},[41,138,43],{}," (NAICS code) is ",[15,141,142],{},"required"," when the customer or account class is ",[41,145,146],{},"\"business\"",".",[71,149,151],{"id":150},"individual-customers","Individual customers",[28,153,154],{},[31,155,156,158,159,162],{},[41,157,50],{}," must be the ",[15,160,161],{},"local tax ID"," for the beneficiary’s country (e.g. CPF for Brazil, SSN for the US). The system validates and formats it per country where required.",[71,164,166],{"id":165},"phone-number","Phone number",[28,168,169],{},[31,170,171,174,175,177,178,147],{},[41,172,173],{},"phone_number"," is ",[15,176,142],{}," when the beneficiary’s country is one of: ",[15,179,180],{},"BR, CN, CO, HK, MY, MX, PH, UG, UY",[71,182,184],{"id":183},"tax-id","Tax ID",[28,186,187],{},[31,188,189,174,191,177,193,147],{},[41,190,50],{},[15,192,142],{},[15,194,195],{},"AR, BY, BR, CL, CN, CO, CR, EC, GT, HN, JP, KZ, KR, MX, PK, PE, PH, RU, TH, UY",[23,197,199],{"id":198},"what-this-means-for-you","What this means for you",[11,201,202,205],{},[15,203,204],{},"Action required:"," Recreate any ACH or RTP bank accounts with the new required fields and rules. Do not use deprecated ACH or RTP bank accounts.",{"title":207,"searchDepth":208,"depth":208,"links":209},"",2,[210,211,216,222],{"id":25,"depth":208,"text":26},{"id":68,"depth":208,"text":69,"children":212},[213,215],{"id":73,"depth":214,"text":74},3,{"id":101,"depth":214,"text":102},{"id":120,"depth":208,"text":121,"children":217},[218,219,220,221],{"id":131,"depth":214,"text":132},{"id":150,"depth":214,"text":151},{"id":165,"depth":214,"text":166},{"id":183,"depth":214,"text":184},{"id":198,"depth":208,"text":199},"Product Update","update","2026-02-18","Launch of ACH and RTP payouts in the US with a new banking partner (no Virtual Accounts needed).","md",false,true,{"excerpt":231},{"type":8,"value":232},[233,237],[11,234,13,235,18],{},[15,236,17],{},[11,238,21],{},"\u002Fchangelog\u002F2026-02-18-ach-rtp-us-launch-and-bank-account-rules","---\ntitle: ACH and RTP Payouts in the US — New Banking Partner\ndescription: Launch of ACH and RTP payouts in the US with a new banking partner (no Virtual Accounts needed).\ndate: 2026-02-18\ncategory: Product Update\ncategoryType: update\nisChangelog: true\n---\n\nWe're launching **ACH and RTP payouts in the US** with a new banking partner — no Virtual Accounts needed.\n\nAll ACH and RTP bank accounts have been deprecated. New fields and rules apply to bank account creation for both ACH and RTP.\n\n\u003C!--more-->\n\n## TL;DR\n\n- ACH and RTP payouts now available in the US with a new banking partner (no Virtual Accounts)\n- All existing ACH and RTP bank accounts are deprecated — new accounts must be created with the new rules\n- Business customers require `business_industry` (NAICS code)\n- Individual customers require local `tax_id` (e.g. CPF for Brazil, SSN for US)\n- ACH and RTP payouts are capped at **$50K** for now\n- All USD payouts will go to **compliance_reviewing** for manual review during the first few days\n\n## Rules you need to know\n\n### Customer-level rules\n\n- **Business customers:** You must add `business_industry` (NAICS code) when the customer is a business.\n- **Individual customers:** You must set `tax_id` to the **local** tax ID for the beneficiary's country (e.g. CPF for Brazil, SSN for the US). The system validates and formats it per country where required.\n\n### Payout limits and status\n\n- All ACH and RTP payouts are **capped at $50K** for now.\n- All USD payouts will be pushed to **compliance_reviewing** status so our team can manually review them for the first few days.\n\n## Bank account creation — New fields and rules\n\nThese rules apply to **both ACH and RTP** bank account creation.\n\n### Business accounts\n\n- `business_industry` (NAICS code) is **required** when the customer or account class is `\"business\"`.\n\n### Individual customers\n\n- `tax_id` must be the **local tax ID** for the beneficiary’s country (e.g. CPF for Brazil, SSN for the US). The system validates and formats it per country where required.\n\n### Phone number\n\n- `phone_number` is **required** when the beneficiary’s country is one of: **BR, CN, CO, HK, MY, MX, PH, UG, UY**.\n\n### Tax ID\n\n- `tax_id` is **required** when the beneficiary’s country is one of: **AR, BY, BR, CL, CN, CO, CR, EC, GT, HN, JP, KZ, KR, MX, PK, PE, PH, RU, TH, UY**.\n\n## What this means for you\n\n**Action required:** Recreate any ACH or RTP bank accounts with the new required fields and rules. Do not use deprecated ACH or RTP bank accounts.\n",{"title":5,"description":226},"changelog\u002F2026-02-18-ach-rtp-us-launch-and-bank-account-rules","EL2v3e9lsI_X8MlTJuYwEoYNdfSwDNgXtzT5v9ZxKsM",1786559057531]